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T 

& t a t c o ] Connecticut. 



'i*i 1 1 rtj ;kn ri i 
ANNUAL REPORT fi 



INSURANCE COMMISSIONER 



' 



nuntl A'ssnnblii of tbt State, 



JANUARY SESSION. A. D.-1878. 



P \ RT FJ R8T. 

FIRE AND FIRE AND MARINE COMPANIES, 






i.xni 



Introduction, 

ND FIUE AND MAHINK QffBI RAH< ' IBH B1 I 

■Etna. Hartford 9iNorwalk, Norwalk 

tut, ilurtforil 14 Orient, Hartford. 

th Norwalk L8 Peo] -town 

Hartford, Hartford, 21 Phoenix, Hartford 

Ion, 24 ilt\.i: 41 

National. Hartford. 27 Hartford 8. Boiler Insp,. Hartford, 41 

KUTUAL 1 QUI ENB0XAN< 

Hri~" : 426 Lit. : ft] 

neotiout .Mutual. Heriden 4'. 1 iron, 

bury, Danbury 51 Middlesex, Bliddletown 

• I<1 m County, Norwich. . . 

. Woodbury 426 Norwich, Norwich. 

kilty, Farniington,... 

enwich, Greenwich . Hartford 71 

County, Hartford 66Tolland I >lland 

:.. Harwintpn 68 Vl'indham Brooklyn 

Home. Stafford Spring, 



I FIBE AND FIBE AN!- MARINE OTHXB s; 



Agricultural. Watertown, N. V 7'.» 

B2 

Pens >• 

' I -. . 

lJ'-. N. V. City. 

Atlanti . . n V 

. ... '.••. 

9% 

N. V Ml 

;ty. In:; 

Coluin K'»; 

.... 1<''.' 

.... 11 1 

... 119 

... 1 ;« 

... 1 •-'» 

... 124 

... 12< 

... 11". 
i 

I .... l.'!i 

... 18f 



Mr. -iii- .... 14.1 

Firemen'a Pond, Ban Fraud 

tor, MasM... us 
Franklin, Philadelphia, .. 161 

I 
.. 161 

.. 1 7»; 

■ 

Howard, N 

■ 
I 

; 
u 



INDEX. 



Merchants, Newark, N. J 204 

Merchants, Providence, R. I., 207 

New Hampshire. Manchester, N.H. 210 

Newark City. Newark, N. J., 213 

New York City. New York City,.... 216 

Niagara, New York City, 218 

Northern, Watertown, N. Y., 220 

Northwestern, Nat. Milwaukee, 224 

Park, New York City, 227 

Pennsylvania. Phila., Penn 229 

Peoples, Newark, N. J 232 

Peoples, Trenton, N. J., 235 

Phenix, Brooklyn, N. Y 238 

Prescott. Boston, Mass 242 

Providence Washington, Prov.R.I. 245 

Republic. New York City, 250 

Resolute. New York City, 248 



Revere, Boston, Mass., 253 

Ridgewood, Brooklyn, N. Y 256 

Rochester German, Rochester,N.Y. 258 
Roger Williams. Providence, R.I. . 261 

St. Nicholas, New York City, 264 

St. Paul, St. Paul, Minn., 266 

Safeguard, New York City, 269 

Shawmut, Boston, Mass 272 

Shoe & Leather, Boston, Mass...... 274 

Springfield, Springfield, Mass., 277 

Standard, New York City, 280 

Standard, Trenton, N. J 283 

Star. New York City, 286 

Traders, Chicago, 111., 289 

Westchester, New Rochelle. N. Y., 291 
Williamsburgh City, Willi'smbg N. Y 294 



MUTUAL FIRE INSURANCE COMPANIES OF OTHER STATES. 

American, Newark, N. J., 301 1 Mech. & Farmers, Worcester, Mass. 310 

Holyoke. Salem, Mass., 3<)4|Newark, Newark, N. J.. 312 

Lycoming, Muncy, Pa., 308| 



MARINE INSURANCE COMPANIES OF OTHER STATES. 

Mercantile, New York City, 173 Pacific, New York City,. 



320 



CASUALTY INSURANCE COMPANIES. 

Knickerbocker Casualty, N. Y. City 325 [Metropolitan Plate Glass, N.Y.City, 327 



FOREIGN FIRE 

British America, Toronto, Canada, 
Commercial Union, London, Eng.. 

Guardian, London, Eng 

Hamburgh-Bremen, Hamburgh, Ger 

Imperial, London, Eng., 

La Caisse Generale, Paris, France,. 

Lancashire, Manchester, Eng 

Liv. &L. & Globe, Liv. Eng., 



INSURANCE COMPANIES 

331 jLondon Assurance, Lon. Eng., 

337 1 N. British & Mercantile, Lon. Eng. 
Northern F. & L. London, Eng 



340 
343 
346 
334 
349 
352 



Queen, Liverpool, Eng., 

Royal Liverpool, Eng 

Royal, Canadian, Montreal, Can 

Scottish Commercial, Glasgow, Scot 
Western, Toronto, Canada, 



356 
359 
362 
365 
368 
371 
374 
377 



Table 1. Capital, Assets, Liabili- 
ties and Surplus 388 

Table 2. Items composing Gross 

Assets, 392 

Table 3. Items composing Gross 

Liabilties, 396 

Table 4. Items composing Income 



STATISTICAL TABLES. 

Table 5. 



Table 6. 
Table 7. 
Table 8. 



during the year, 400iTabie 9. 



Items composing Expen- 
ditures during the year 404 

Income, Expenditures, 
premiums received &c 408 

Risks in force, Premi- 
ums received, &c 412 

Business in Connecticut, 416 

Comparison of Busines 
1873-1874-1875-'76, '77 420 



MISCELLANEOUS. 



Business of the year, 425iNew Legislation, . 428 

Business in Connecticut, 424-428 State Mutual Companies, 425-426 

Companies admitted, 5 ' Statistical Tables, 388-424,427 

Companies withdrawn, 6 Summary comparison of business in 



Cos doing business in the State, 
Department Receipts and Expendi- 
tures, 426,429 

List of Companies, 382 



Connecticut, 424 

Summary comparison of general 
business, 424 



Si lai* o f (S o n n ecii c u t 



THIRTEENTH ANNUAL REPORT 



INSURANCE COMMISSIONER. 



I=.A.:R,T FIRST. 

FIRE AND FIRE AND MARINE COMPANIES. 



To the General Assembly of the State of Connecticut : 

The undersigned. Insurance Commissioner, has the honor to sub- 
mit Part First of the Thirteenth Annual Report of this Department, 
relating to Fire and Fire and Marine Insurance Compani 

Daring the past year fourteen fire insurance companies of other 
States were admitted to transact business in this State, and seventeen 
withdrew. In addition to those admitted from other States, tl 
foreign companies were admitted 

The companies admitted, were : — 



Date of 
Adm. 



Names of Companies. 



Jan. SO. 

*• 31. 
Feb. y. 

'• 14. 

" 14, 

44 14. 

Mir. 16. 

•' i«;. 

" If.. 

April 13. 

• • 24. 

June ft. 
Oct. 8. 



Attorni 



A ilaon, N 
. II. Town 

ren. 



rk Mutual, N. ■) 

I Jolui 

din, " 

amity, 44 

Commerce, " 



0. W, Bhelton, S( a il 

B. Hmji'i 

iImmj.-. Columbw M * >rd 

Park, New York 

I 
Alli*.: 

I 
1 

C Kimball H 



REPORT OF THE INSURANCE COMMISSIONER. 



The companies that withdrew, were : — 



Date of Withdrawal. 


Names of Companies. 


March 


Bangor, of Bangor, Maine, re-insured. 
Globe, of Boston, Mass., wound up. 


May 




August 


Citizens, of Newark, N. J., failed and re-insured. 
Germania, of Newark, N. J., withdrew, 






October 


Guaranty, of New York, re-insured. 


a 


(( 


Manayunk, of Philadelphia, Penn., withdrew. 
Citizens of St. Louis. Mo., re-insured. 


November 


December 


Sun. of Philadelphia, Penn., withdrew. 
Philadelphia, of Philadelphia, Penn., withdrew. 
Amazon, of Cincinnati, Ohio, re-insured Conn, risks 




Pacific Fire, of New York, withdrew. 
Franklin, of New York, withdrew. 


<; 


Firemen's Fund, of New York, withdrew. 


» 


National, of New York, withdrew. 



On the 18th of September the Newark Mutual Fire Insurance Co., 
of Newark, N. J., changed its title to that of the Newark Fire In- 
surance Company. 

The City Fire Insurance Co of New Haven, has done no business 
for the past year. All its risks were re-insured in the Security In- 
surance Co. of New Haven. 

The Atlas Insurance Co. of Hartford, ceased doing new business in 
August, 1877, and is carrying its risks to maturity. 

The following is a classification of the companies doing business in 
the State at the close of the year : — 



No. 


Companies. 


Assets. 


11 
19 

77 


Stock Companies of Connecticut 

Mutual '» " " 

Stock " *' other States 


17,049,870 06 
946,583 07 

68,426,008 27 
3,139,939 31 
1,685 770 68 


5 


Mutual " " " 


2 




16 


Foreign Fire Insurance Companies 


18,770,172 10 


2 

1 


Casualty Companies ot other States 

Steam Boiler Inspection and Insurance Company 


248,303 47 
285,711 21 


133 


$110,552,358 67 



Statements in detail of the condition of these companies on the 
31st of December, 1877, are herewith submitted. 



FIRE AND FIRE AM) MARINE 
INSURANCE COMPANIES OF THIS STATE 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE. 

MENTS, SHOWING TIIKIIi CONDITION ON THE 

31ot DAY OF DECEMBER, 187* 



IB 



A N XI' A L ST ATUMENTS. 



AVYS \ [NSURANCE COMPANY, 

Sabtfobd, Cosh. 

Coniruenct'd Buemeea August 19th, 1818. 

Lrcivs J. Bkrdbb, President, /otham Goodmow, Secretary 



I. CAPITAL. 

iUl eotnellj paid np in oasfa $8,000,000 00 

II. A.S8ET8. 

owned l»y the Company Qnenonmbered : — 

In Hertford, Oonn |29ft,000 

In Cincinnati, <>hi<> B5.000 

In X 1 1 • 1 i hi ipolia, End., 65,000 

[n I. Ky 10,01 I "<» «"> 

il Liens) not mure then one 

<lu.- 94,< 

Inter' I on bond end mortgege loam 1,44 

Value of the lend mortgaged, (87,000 

Boil ><ii 



- 



fci mi'! Sonde own* 

atarkel Vale*. 
\J.& 8 kh : — 

- 

L00, 

Alabama, e per c. '00 

8 



10 -ETNA FIKK INSURANCE COMPANY. 

Par Value. Market Value. 

Canada Dominion stock, 6 per c, 5,n70 (59 5,070 69 

Connecticut. 6 per c, 74,500 00 80,460 00 

Indiana, 6 per c, 50,000 00 51,500 00 

New Hampshire, per c, 50,000 00 54.000 00 

Rhode Island. 6 per c, 91,000 00 1)8,280 00 

South Carolina. 6 per c, 20,000 00 8,000 00 

Tennessee, G per c, 31,000 00 10,850 00 

Municipal Bonds : — 

Hudson County, N. J , 6 per c.,.. 2^,000 00 25,500 00 

Barkhamsted, Ct., town, G per c, 17,000 00 17,000 00 

Hartford. " G per c, 66,000 00 G9,300 00 

Norwich, " 7 per c, 100,000 00 115,000 00 

Norfolk, " 6 per c, 26,000 00 26,780 00 

Danbury, " 6 per c, 55,000 00 56,650 00 

Windsor Locks, " 6 per c, 24,000 00 25,200 00 

Pawtucket, R. I., 7 per c, 100,000 00 115,000 00 

Bloomington, 111., city, 8perc.,. 20,000 00 21.600 00 

Boston. Mass., " 6 per c, 50.000 00 56,000 00 

Brooklyn, N. Y., *' 6 per c, 25,000 00 27,000 00 

Buffalo, N. Y., " 7perc, 50,000 00 55,000 00 

Cleveland. Ohio, " 6 per c, 39.000 00 40,170 00 

Cleveland, Ohio, " 7 per c, 80,000 00 89,600 00 

Cincinnati, O., city water, 7 p.c. 50,000 00 55,000 00 

Chicago, 111., city, 7 per c, 50,000 00 54,500 00 

Detroit, Mich., " 7 per c, 30,000 00 33.600 00 

Hartford, Conn., " Gperc, 128,000 00 136,960 00 

Indianapolis, Ind., " 7 3-10 p.c, 50,000 00 54.000 00 

Iron ton, Ohio, " 8 per c, 10,000 00 10,500 00 

Jersey City, N. J., " 6 per c, 46,000 00 46,920 00 

Lockport, N. Y., " 7 per c, 25,000 00 26,250 00 

Minneapolis, Minn. " 10 per c, 5,000 00 5,2.10 00 

Montreal, Can. cor. stck, 6 per c. 13,000 00 14,300 00 

" bonds, 6 per c, 22,00000 24.200 00 

Newark, N. J., city, 7 per c, 50,000 00 55,000 00 

New Brunswick, N.J." 7 per c, 40,000 00 42,000 00 

New York city stock, 6 per c, 71,000 00 73,130 00 

Pont iac, Hi , city, lo per c 12,000 00 12.600 00 

Railway. N. J., city, 7 per c, 45,000 00 45,900 > 

Titusville,Pa.,sch. & w. 8 & 10 p c 22.000 00 24.200 00 

Toledo. Ohio, special, 7 3-10 p. c. 13,000 00 13,260 00 

" " city water, 8 per, c. 5.000 00 5,500 00 

EastSch. Dist. Vernon. Ct., 6 p.c. 12,000 00 12,000 00 

West " " " " 4,000 00 4,000 ) 

Sc. dis. 24.Woodbridge, N.J. 7 p c 20,000 00 21,000 00 

Atlantic Dock Company, 7 per c. 25,000 00 26,250 00 

Railroad Bonds : — 

Alb. & Susquehanh 2d m. 7 p c, 50,000 00 48,000 00 

Cleve., C. C. I. 1st m., 7perc.,. 25,000 0) 27,250 00 

Cleve., Pains. & Ash., 7perc.,... 100,000 00 105,000 CO 

Cleve. & Toledo, gen. ? 7 per c.,... 85,000 00 94,350 00 



\a rittti INSURANCE COMPANY. 11 

Tar V.,: :■-. M .; ;. 

Cbio,Bnr. ftQnin, EL F.,8pere,, 80,000 00 84,800 00 

Ohio. A Northwestern, 1st, : p.c, 60,000 <»o 00 

Cm. Ham. A Dayton. : per e M),000 00 60,000 00 

Columbus J Xenia, 7 pare 60,000 00 WOO 

D tyton a Western, <; per o 25,000 00 20,000 00 

Harlem Bit. A Port 1st m, 7 p.e. 100.000 00 116,000 00 

6 p.o. 60,000 00 64,000 00 

H.irt.. Ptot. A Fish., 7 pare 82,000 00 84,24( 

Houaatonia, 1st m.. Opera 60,( oo 62,600 00 

Imli snapolis A Cin . 7 pet <• 26,000, 00 22,600 oo 

Joliet A Chicago, let B.F. 8 p. c. 18,000 00 20,160 "<> 

Irak A DesMoinea 1st m. 7 p.o 82,000 oo 19,200 00 

fund, int. 8 p.o. 4,600 00 8,160 00 

Lake Shore. 7 per e 10,000 00 11,000 00 

L s. k. Mich. s,,. reg. S.F. 6 p.c. 12,000 oo 18.440 oo 

Little Miami, 6 per a, 72,000 oo 72,000 oo 

lliebigan Central. 2d in.. 7 per c. 60,000 00 52,500 00 

Mi h. Bo. a: N. IncL gen., 7 per c. 25,000 < <> l'7..vio oo 

Morris & Essex, 2d BO., 7 per c, 25,000 00 26,500 00 

" 1st con., 7perc.,. 60.000 00 42,500 00 

N. J. R. It. A T. Co.. 6 per c 60,000 00 51,001 

N. Y. Central, fi per c 75,000 oo o oo 

NY. Oen. .t Hint. B. 1st m. 7 p. c 100,000 00 122,000 00 

Pitts, Ft.W. A 0. 1st m. 7 p. c... 30,000 oo c 00 

I'd M 50,000 00 XI 00 
Railroad Stocks : — 

Albany A Bmquehanna 53,010 00 87,500 00 

Ceutral Ohio, 7.200 00 8,000 00 

Cleveland A Pittsburgh, 50,000 00 38,500 00 

Connecticut River, 15,000 00 19,050 00 

Dubuque & Sioux City 25,000 00 15,000 00 

Joliet «fc Chicago, 10,000 00 10,000 00 

-Moines preferred... 26,400 00 2,640 00 

Ice Shore <fc Michigan Southern, 90,000 00 67,16 

Morris A Betel 60,000 00 38,000 00 

Y..rk Central A Hudson Uiv.. 60,000 00 68,600 00 

N. Y.. New Haven A Hartford.... 100,000 00 154,000 00 

Pittsburgh, Ft Wayne A Chicago, 75,000 25 00 

r York A Harlem, 25,000 00 10 00 

B - • s : — 

. Britain Nit.. New Hrit., Ct., 10,000 18,0 

First National. Albany, N. Y 10,000 00 15,000*00 

m .a- lied] . : ;l,i.. Pa., 22.000 00 27,500 00 

Hen sk, fit. Louie, Mo., . 00 1,250 00 

. mal. ■>. 4,000 "'i 

Mechanics " 10,00 

*:tna •• Hartford, Ot 8 . 24,400 00 

:ican 10,1 00 00 

Charter O ik I) 00 

» QO 



12 



.ETNA KIKE JNSUKANCK COMPANY. 



Conn. River Bank. Co., Hart., Ct. 
National Exchange Bank, " 
Farm. & Mech. National, " 
First 

Hartford ' * ' ; 

Phoenix " 

State Bank. " 

American Exchange Nat., N. Y.,. 
Nat. Butchers & Drovers, " 
National City, " 

National Bank of Commerce" 
Hanover National, " 

Importers & Traders Nat., " 
Bank of the Manhattan Co.," 
Market National, " 

Merchants National, " 

Merchants Exchange Nat., " 
Mechanics National, " 

Metropolitan National, " 

Nassau Bank, " 

Bk. N. Y. Nat, Bank. Asso. " 
Bank of North America, " 
Phenix National, " 

Peoples Bank, '• 

Nat. Bank of the Republic, " 
Union National. " 

llSCELLANEOTJS : — 

Atlantic Mut. Ins. Co. scrip, 

Connecticut River Co. stock, 

N. Y. Life Ins. & Trust Co.. NY. 
United States Trust Co. 
Union Trust Co., " 

Central TrustCo.. 



Par Value- 

7,500 00 
' 25,000 00 
42,000 00 
20..000 00 
80,000 00 
00,000 00 
25,000 00 
40,000 00 
12,500 00 
10,000 00 
30,000 00 
10,000 00 
HO, 000 00 
20,000 00 
20,000 00 
50,000 00 

8,000 00 
30,000 00 
37,500 00 
20,000 00 
40,000 00 
20,000 00 

5,540 00 
10.000 00 
15,000 00 
20.000 00 

44,000 00 
5.000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 



Market Value. 

0.000 00 
33,000 00 
48,300 00 
10,000 00 
120,000 00 
90,000 00 
27,500 00 
42,400 00 
13,125 00 
22,000 00 
36, GOO 00 
10,000 00 
60,000 00 
28,000 00 
20,000 00 
57,500 00 

6,400 00 
39,000 00 
48,750 00 
20,000 00 
46,000 00 
16,000 00 

5.540 00 
14,000 00 
13,200 00 
29,000 00 

44,090 00 
1,000 00 
60,000 00 
35,000 00 
12,000 00 
11.000 00 



Total, 



,$4,799,800 69 $5,211,640 69 5,211,640 69 



Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 
Hartford Carpet Co. Hart,,. ..$4, 200 00 $9,240 00) 
Phoenix Nat, Bank. " ... 500 00 750 Oof $ 4 ' 080 00 

N. Y. N\ H. &Hait. R, R.,... 2,700 00 4,158 00 920 00 



Total, #7,400 00 $14,148 00 $5,000 00 5,000 00 

Cash in Company's principal office, ' 5,264 40 

Cash deposited in banks, 599.982 A2 

Interest due and accrued on stocks, 6,000 00 

Interest due and accrued on collateral loans and special deposits, 9,449 40 

Gross premiums in due course of collection 486,021 15 



Assets of the Company at their actual value. 



$6,783,867 In 



AETNA riRE INSURANCE COMPANY. 18 

in. UAr.ii. in. 

■ adjusted and unpaid $29,174 18 

b reported and unadjusted 156,968 66 

anted 28,801 67 



Total 214,994 II 

Unearned premiums on Una risks, one year or leas,. •_'•; 

Unearned premiums on risks more khan one year, ... 858,840 s - 

Unearned premiuma on Inland navigation risks, 4_'.~» (»() 



Unearned premiums ss oomputed above 1.7 

Duo for printing. Ac 

Due for conmiissions and brokerage and return premiums 66,97 



Total liabilities except capital stock, 2,011,997 27 

Capital stock, 8,000,000 00 

Surplus beyond capital, 1 . 7 7 1 . 



Total liabilities including capital and surplus, $6, 783,807 16 



IV. INCOME DURING THE YEVK. 

Fire. Inland. 

Premiums received in cash. $8,014,916 .">."> *1<):>,140 35 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 181.8.~>5 04 23,487 79 



Actual cash premiums, $2,833,060 Til $81,662 66 2.914.713 07 

From interest on bonds and mortgages, 5,7! 

From interest on loans and dividends on stocks and bonds, 882,588 11 

From rents, 7,415 81 

Actual cash income, $8,260,89 



V. EXPENDITURES DUBfNG THE TEAS. 

Kim. Inland. 

Amount paid for losses (includ. $809,- 
48r,.«>l occurring in previous $50,779 51 1,986,065 08 

. dividends paid stockholders, 660,000 00 

Oommiaaiona or brokerage H_- 

Salariesand fees, 

Taxes, 

All other payments and expenses, 145,481 00 

Actual cash expenditure - 10 



VI. MISCELLAKEOl 

wing not more than one 
to run from date of ] $149,184,528 00 $1,741, 



14 CONNECTICUT KIKE INSURANCE COMPANY. 

Saving more than one and not more than three 

years to run from date of policy 96.275,801) 00 1,171,904 84 

Having more than three years to ran from dite 

ofpoliey, : 32,751,881 00 434,416 57 

$278,212,213 00 3,347.847 93 

Inland. Premiums. 

35,000 00 650 00 

Premiums received since the organization of the Company 77.524. 2(, 9 68 

Losses paid since the Company organized, #8,515.509 44 

Cash dividends declared, 9,703,365 00 

Stock dividends declared, 2,805,000 00 

Stock owned by directors at date. 299,100 00 

Loaned to stockholders not officers, 51,000 00 



Business in Connecticut in 1877. 

Fire risks taken (no inland), 15,490,743 00 

Premiums received. 149.576 30 

Losses paid, 73,547 44 



CONNECTICUT FIRE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business July, 1850. 

M. Bennett, Jr., President. C. R. Burt, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $1,000,000 00 

II, ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $141,000 00 

Value of the land mortgaged, $223,800 

Buildings (insured for $15o,500), 181,400 

$405,200 



; ICUT KIKK INSURANCE COMP \ N ^ 



16 



'.s d/i(l BofUU OWtUd b$ tJn' ('mnjxiuij. 

l\ir Y;iliu\ MnrUft Y:ilti«\ 
S AND Sta 1 : — 

[ - i, 881, rag .".co. ooo 00 891.000 00 

oonpon 120,000 00 128.400 00 

L8C7, rag 22,01 20 00 

coupon, 8,000 00 8, 180 00 

B1 Ae of Oonneotioat, 16,000 00 17,280 00 

IfUHZGXPAL BONDfl : — 

City of New Britain (water loan), 1/5,000 00 16,200 00 

Hartford 16,000 00 16,640 00 

Colnmboe, Ohio *j."), ooo 00 26,000 00 

liiddletown, Ot 6pero.„ 10,000 00 10,300 00 

7 M 10,000 00 10,600 00 

Newark, Ohio, 9,000 00 9.450 00 

Erie. Pa., consolidated,... 10,000 00 10,800 00 

Toledo Board of Education, 10,000 00 o 00 

Railroad BONDS :-- 

Cincinnati A Indianapolis lo.nno 00 8,800 oo 

Michigan Central 20.000 oo 20,400 00 

Chicago & Iowa B0,o:i0 00 12,000 00 

Burlington & Missouri B. in Nob. 10,000 00 10,600 00 

N. Y.. N. H. A Hartford, 40.000 00 46,000 00 

Railroad Stocks : — 

Boston A" Albany 6.000 00 0.100 00 

Pittsburg, Ft. Wayne A Chicago, 10,000 00 9,300 00 

N Y.. N. II. A Hartford 50,000 00 77,000 00 

Bank Stocks : — 

Importers and Traders National,.. 23,800 o> 47.000 00 

Fulton National. N. Y > 00 10,360 00 

Fun.. A M-rh. National, Hart.,.. 18,800 00 21,620 00 

Dal Exchange, " 13,600 00 17,676 00 

Hertford National, ■« 30,000 08 46,600 00 

First National. 18,600 00 17.:»7."» 00 

.Ftna National. " 10,0110 00 12.0"0 00 

Phoenix National, M 16,000 00 22,200 00 

Charter Oak National, M 00 11,626 00 

- : — 

Tiffin. Ohio. Gas Co. bond* 26,000 00 26,600 00 

tal ^906,900 00 $1,081,916 00 1,081.918 00 



W. A II. K. 



Loam on Collateral. 

1 

I 00 3 1,04 Ml 00 

... 1 1,600 00 17,7-'."- 00 ) 

Phoenix National Benk 1,01)0 00 F,400 00 

Conn 2,460 00 

N. V.. N. B A B l: B r, 01,0 00 7,7J 

Haitford Trust Go 7.000 QO 6.720 00 



26,000 « 

I 1 



16 CONNECTICUT FIRE INSURANCE COMPANY. 

Par Value. Market Value. Amt. Loaned. 

State of Connecticut ;. 3,000 00 3,240 00-v 

Indiana Central R. R 1,000 00 1,000 00^. 3,500 00 

Hart., Prov. & F. R. R.,... 1,000 00 1,080 00 ) 

N. Y., N. II. & B. R. R,,... 2,000 00 3,100 00 2,640 00 

." "... 5,000 00 7,750 00 2,000 00 

Farm. & Mech. Nat. Bank, 2.800 00 3,220 00 2,000 00 

N. Y., N. H. & H. R. R.,... 2,000 00 3,100 00 2,240 00 

Case, Lock. & Brain, stock, 5,000 00 7,000 00 1,550 00 

N. Y.. N. H. & H. R. R.,... 1,300 00 2,080 00 1,500 00 

Hartford Bridge Co., 2 ; 640 00 2,640 00 1,480 00 

N. Y., N. H. & II. R. R.,... 1,500 00 2,325 00 > 

r* l.ooO 00 

Middlesex Co. Nat. Bank,.. 1,300 00 1,300 00> 

U. S. 5-20's, 1805, 1,000 00 1,060 00 1,000 00 

National Exchange Bank,... 950 00 1,225 00 950 00 

Pitts., Ft. Wayne &. Chica., 1,000 00 1,000 00 800 00 

Connecticut Valley R. R.,. 2,000 00 1,500 00 800 00 

Collins Co. stock, 1,550 00 1,100 00 562 00 

" 980 00 700 00 480 00 

.Etna National Bank, 500 00 600 00 400 00 

Orient Insurance Co., 400 00 450 00) tM nn 

_ f 4UU (JO 

Conn. Fire Ins. Co., 500 00 560 00) 

Hartford National Bank,.... 1,200 00 1.850 00 220 00 

JEtna Insurance Co., 600 00 1,200 00 193 77 



Total, $90,170 00^121,975 00 $74,837 77 74,837 77 

Cash in Company's principal office, 187 51 

Cash deposited in Hank, 97,388 82 

Net premiums in due course of collection, 42,984 23 



Assets of the Company at their actual value, '.. $1,388,313 33 

III. LIABILITIES. 
Losses adjusted and unpaid, $3,400 00 

Losses reported and unadjusted, 12.875 00 

Losses resisted, 6,650 00 

Total, 22,925 00 

Unearned premiums on fire risks, one year or less, ...$172,702 56 
Unearned premiums on risks more than one year,.... 44,254 07 



Unearned premiums as computed above, 216,956 63 



Total liabilities except capital stock, 239,881 63 

Capital sto^k 1,000,000 00 

Surplus beyond capital, 148,431 70 



Total liabilities including capital and surplus, $1,388,313 33 

IV. INCOME DURING THE YEAR. 

Premiums received in cash. $397,975 26 

Deduct re insurance, rebate, abatements and return 

premiums, 41,060 26 



Actual cash premiums, 356,915 00 



>N NICOTIC Ul FIRM IN8UH \ N KPAN1 . 

Prom interest on bondi and m 
Prom interest on loans ind divideu I 



v ttnaJ cash income 

V. EXPEND] itki.k DURING Mil; S BAR 

Amount paid for Leases (inolading 112,9* or- 

ring In preYioas yean, i 

Deduct re-insnranoe 5,046 it 

177. 

dividends 

liasiooa ox brokarage 

81,8 



All other payments and expenses, ;i u 



Actual cash expenditures, > 



VI. MISCELLANEOUS. 



Premium*. 



Bisks in force having not more than one y< 

to ran from date of policy, 010 00 

Having more than one and not more than three 

years to run from date of poiicy 8,286,811 00 

Having more than three years to run from date of 

policy, 2,267,406 00 



,226 00 

Premiums received since the re-organization of the Company 

Losses ]);iid since the re-organiz-ition of the Company 952,112 s ". 

. dividends paid stockholders since the Company re-eom- 

sadbnsineaa 

owned by directors al date, 

10(1.1 

d to officers and directors - 

Loaned to stockholders hot officers 

Bu* 

Fire ri^ks taken <no inland) 

Premiums received, 

Losses paid. 

'6 



18 FAIRFIELD FIRE INSURANCE COMPANY. 



FAIRFIELD FIRE INSURANCE COMPANY, 

South Norwalk, Conn. 

Commenced Business May, 1870. 

Winfield S. Hanford, President. Henry E. Turner, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered : — 

In Sotith Norwalk, Conn., $47,88!) 63 

In East Norwalk, Conn., 5,500 00 

In Chicago, III., 7,000 00 $60,389 62 

Loans on bond and mortgage, (first liens) not more lhan one 

year's interest dne, 83,725 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 29,500 00 

Interest due and accrued on bond and mortgage loans, 6,892 53 

Value of the land mortgaged, $113,150 00 

Buildings (insured for $85,100), 144,000 00 

$257,150 00 

Stocks and Bonds owned, by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

TJ. S. 6's, reg. 1861, $45,000 00 $48,093 75 

" 6's. reg. 1865, 2,000 00 2,060 00 

Municipal Bonds : — 

Fairfield County, 7 per c. coupon,. 10,000 00 10,500 00 

Town of Norwalk, 6 per c. War.... 3,000 00 3,000 00 

City of St. Joseph, Mo. 10 per c... 6,000 00 5,400 00 

Town of Sumner, 111, 8 per c. coup, 4,000 00 3.800 00 

Town of Portland, Ind., 3,000 00 2,875 00 

Total, $73,000 00 $75,728 75 $75,728 75 

Loans on Collateral. 

Par Value. Market Value. Amt. Leaned. 

First Nat, Bk. So. Norwalk. $1,000 00 $1,100 00 $1,<>00 00 

Norwalk L.)ck Co., 1.200 00 1.080 00 850 00 

Brooklyn City Kailroad Cq. 4,000 00 6,000 00 500 0Q 



FA1EPIKLD PIKK [NSURANCB OOMPANT. 






Par Valve. Market Value, hmt I 

Mfrs. A: Merchants Bunk... 5,000 00 1,850 001 

ParkaT. K. li. 7 per o 2,000 00 2, odd 00 J 

Policy paid up. Mutual Life 

Ins. Co., of New York... 10,500 00 1> 

City of New Orleans Ea.Os [2,000 00 1,000 00 1,000 00 

Korwalk Look Co., 5,400 00 4,(160 00 4,000 00 

Loan to City of South Nor- 

walk, on School Distbda, 2,000 00 2,00000 2,000 00 



Total, $ 8,100 00 1 19,890 00 1 14,676 08 14,67 

CbhinConipmy's principal office, : \ 06 

Cash deposited in bank, 11,18 

Interest due and accrued on stocks, l,d 

Interest due and accrued on collateral loans, 666 1" 

Gross premiums in due course of collection 17,. 

All other property belonging to the Company, 2,54 



Assets of the Company at theii^actual value, >;{;:>,ols 41 



III. LIABILITIES. 

adjusted and unpaid, 1,104 50 

Losses reported and unadjusted, ;>,7;'.."> 00 

Losses resisted, 1,487 60 

Total, <;,'J77 00 

Unearned premiums on fire risks, one year or less, 45,008 90 

Unearned premiums on risks more than one year, 19,045 80 

Amount of unearned premiums as computed above, 64,054 To 

Cash dividends remedniug unpaid, 1,150 00 

Due for salaries *C M0 00 

Commissions, brokerage and other charges, 19 <'•* 



Total liabilities except capital stock, 7l.-"> 

Capital stock, 100 00 

Surplus beyond capital, 

Total liabilities including capital and surplus §818,018 41 



IV. INCOME DUBING THE YEA ft. 

Premiums received in cash, 1 

Deduct re-insurance, rebate, abatements and return 

premiums, 18,588 n 

Actual ca*h premiums, 

From interest on bonds and m •••• • "I 

From interest on loans and dr. . 

From all other sources, 

Actual eash income 



20 FAIRFIELD FIRE INSURANCE CCMPANT. 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $5,230.45 occur- 
ring in previous years), 62,954 09 

Deduct re insurance in other companies, 1,414 42 



G 1.540 57 

Cash dividends 18,850 00 

Commissions or brokerage, 24,321 32 

Salaries and fees, 16,220 45 

Taxes, 3,403 88 

All other payments and expenses,.. 11.947 18 



Actual cash expenditures, $136,283 40 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, $9,113,689 00 90,017 80 

Having more than one and not more than three 

years to run from date of policy, 2,159,005 00 23,147 74 

Having more than three years to run from date 

of policy, 829,913 00 11,641 76 



12,102,607 00 124,807 30 

Premiums received since the organization of the Company, 997,508 81 

Losses paid since the organization of the Company, 592.223 49 

Cash dividends paid stockholders, 128,000 00 

Stock owned by directors at date, 93,800 00 

Loaned to officers and directors, 4, 651,6 

Loaned to stockholders not officers. 19,150 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 2,177,405 00 

Premiums received on same, : 21,567 75 

Losses paid 6,434 86 



II M.TIOKD KIKE INSUKANCK < , -»M! 



21 



HARTFORD FIRE [NSURANCE COMPANY, 

RabtTOBD, Conn. 

Oommenoed Business August, 1810. 

Gaoaoa L. c'hasi:. President. J. D 

C. C. Lyman, AuUtant Secretary 



I. CAPITAL. 

Capital Actually paid up in cash, $1,250,00 

II. ASSETS. 

Real estate owned by the Company unencumbered : — 

In Hartford. Couu., $803,175 60 

In Chicago, 111.. 59,600 00 

In Waiertown, Maes 600 00 868,175 60 

Loans on bond and inortg ige, (first liens), not more than 

- interest duo 916,816 67 

Interest accrued on bond and mortgage loans, 

Value of the land mortgaged, $tffS4,000 

Buildings (insured for $684,000), 7*5, 

$1, 



Stocks and Bonds owned J>y tht Company. 

Par Value. i;ct Vjilur. 



U. 8. and State Stocks : — 

U. S. reg, 1881, 6 per c, 56, 

11 gold bonds, 44 per c 800,000 00 

Tennessee State, 6 pare 88,000 00 

Alabama 8ftaie, 8 pare., 10,000 00 

South Carolina State .old iaaw 20,000 

Mt-mpipal Bonds : — 

•■.. • ; -r 0. 1,0 

Tolc Works, 8 p. c. 

7 (». c. 

■ 

Earl rl Chester (guar 

V. Y., N. II. A H.. B.B.,7 i a 80,600 <>o 
Hart., Prov. A F.hhkill. 7 pat 



62,4fi 

107,250 "to 
18,54 

1,10 

8,000 

Mr 



.'. I.«-H. 



22 



HARTFORD FIRE INSURANCE COMPANY. 



Par Value. Market Value. 
Railroad Stocks : — 

N. Y., N. H. & Hartford, 70,000 00 107,800 00 

Hannibal & St. Joseph, 20,000 00 2,4<)0 00 

Lake Shore & Michigan Southern, 20,000 00 12,500 00 

Conn. Rivar R. R. Co., 2,000 00 2,560 00 

Bank Stocks : — 

Hanford National, Hartford,... 51,100 00 78,694 00 

Phoenix, '* " ... 40,700 00 71,918 00 

Connecticut River, " ... 5,000 00 4,000 00 

American National, " ... 15,000 00 19,500 00 

Charter Oak " " ... 20,000 00 26,000 00 

Farm. & Meo. " " ... 18,200 00 21,112 00 

Mercantile '« " ... 15,000 00 17,700 00 

First " " ... 17,200 00 16,340 00 

JSfcna " " ... 31,500 00 39.375 00 

City " " ... 20, SOU 00 18.928 00 

American Ex. National, N. Y., 20,000 00 21,100 00 

Nat. Bank of Commerce, " 10,000 00 12,700 00 

Imp. & Traders National, " 30.000 00 60,300 00 

Bank of America, " 30,000 00 41,400 00 

Manhattan Co. Bank, " 10,000 00 13,800 00 

Merchants National, " 25,000 00 28,750 00 

Union 4i " 10,000 00 14,200 00 

Bank of North America, " 10,000 00 8,000 00 

Metropolitan National, " 22,500 00 30,375 00 

Blackstone National, Boston, " 14,100 00 14,875 50 

Nat. Bank of Commerce, " 4,300 00 4,558 00 

Second National, " 10,900 00 15,287 25 

Hide & Leather National, " 2,400 00 2,568 00 

Atlantic " " ...... 3,900 00 5,196 75 

First " " 10,000 00 18,100 00 

Boylston " " 12,500 00 14,687 50 

Merch., (in liquidation) St. Louis, 10,000 00 3,500 00 

Union National, Albany, 6,200 00 7,440 00 

First " " 5,000 00 7.750 00 

Montreal, Montreal, 30,000 00 48.857 62 

Ontario, Bowmansville 13,000 00 13,090 35 

Miscellaneous : — 

Conn. Trust and Safe Dep. Co.,. . 23,000 00 20,700 00 

Conn. River Co 12,000 00 3,000 00 

Total, $1,281,600 00 $1,451,682 97 



1,451,682 97 



Loans on Collateral. 



Par Value. Market Value. Amt. Loar.ed. 

U. S. 5-20's, 1867, $50,000 00 $54,250 00 $50,000 00 5P,00'0 00 

Cash in Company's principal office, 547 14 

Cas h deposited in banks 191,611 98 

Premium on gold 440 93 

nterest, due and acorued on Htooks...... >. 9,620 24 



HARTFORD FIRM INSURANCE COMPANY, 

premiums in due oourse <>f collection, 

tax due from non-resident stockholders 11,98 

Rents due tnd accrued 

Amount due Company for money idvanoed real estate, Aral liens 95 19 



Of the Company at their actual value 



III. LIABILITIES. 

ea reported ami unadjusted $181,263 91 

Looses resisted 41,900 00 

Total 178,163 81 

Unearned premiums on flw risks, one year or Less,. ..#506,495 42 
Unearned premiums on risks more than one year 887,878 70 



Amount of unearned premiums as computed above 894.874 12 

Cash dividends to stockholders remaining unp-dd 1,898 00 

Total liabilities except capital stock 1,072,480 98 

Capital stock 1,250,000 oo 

Surplus beyond capital 946,t 

Total liabilities including capital and surplus §8,268,41 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, £ 1,743.021 17 

Deduct reinsurance, rebate, abatements and return 

premiums, 113.200 00 



Aetna! cash premiums 1,629,821 17 

From interest on bonds and mortgages, ."n. | 

From interest on loans and dividends on stocks and bonds I02,f 

From renfe I0,fl 

Received for increased capital £250,000 

Actual cash income, $1,< 



v. EXP EN D I TU R ES DURING THE YEAR. 

Amount paid for loaaaa, (inelnd - rarring In \ 

i 

Ossfa <i. 

Com: r bi 

'if 
•■.ml eaafa sxpenditars I . 



24 MEKIDEN FIRE INSURANCE COMPANY. 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy, $89,684,379 00 1,012,91)0 84 

Having. more than one and not more than three 

years to run from date of policy, 32,197,726 00 363,637 63 

Having more than three years to ran from date of 

policy, 1G, 093,863 00 181,818 97 



$137,975,968 00 1,558,447 44 

Premiums received since the organization of the Company. 32,693,811 86 

Losses paid since the organization of the Company, 21.197,848 18 

Cash dividends paid stockholders, 3,313,100 00 

Stock owned by directors at date, 288,800 00 

Stock dividends declared, 9.10,000 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland), 8,626,130 00 

Premiums received on same, 80,510 55 

Lasses piid, 36,332 05 



MERIDEN FIRE INSURANCE COMPANY, 

Meriden, Conn. 

Commenced Business February 1st, 1872. 

L. W. Clarke, President. E. B. Cowles, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, $1,800 00 

Interest accrued on bond and mortgage loans, 27 14 

Value of the land mortgaged, $3,400 00 



UKKIDBN FINK IN8UKAN0K C0MPAN1 25 

\ki and Bond* owned by the Company. 

Par Value. Mark il Value. 

U. S. Stocks : — 

l'. s. reg. in-ii.'s $55,000 00 $58,781 25 

5-20*8, 1867 80,000 00 81,650 00 

5.20V 1865 io.oiio 00 10,287 50 

lis. 1881 20,000 00 *J l . : i 7 ."» oo 

Municipal Bonds : — 

Meriden City, (Water) 5,000 00 5,600 00 

RaILBOAD Bonus : — 

Harlem River A Portcbester 15,000 00 16,800 00 

New Haven A Northampton, Conn., 8,000 00 7,200 00 

Danbnry & Norwalk, Conn 9,500 00 10,450 00 

Bans Stocks : — 

First National, Meriden, Conn 9,000 00 10,800 00 

Home " '• 19,800 on 23,760 00 

Meriden " " 8^900 00 10,680 00 

New Britain National, New Britain.. 4,500 00 6,075 00 

Total |194,700 00 $213,358 75 213,3.58 75 



Loans an Collateral. 

Par Value. Market Value. Amt. Loaned. 

Meriden Britannia Co., $2,500 00 $7,500 00 $4,500 00 

Adams Express Co., 1.20000 1,17000 000 00 

ZBtna Ins. Co., Hartford,... 1, -too 00 3,220 00 1.100 00 

Home Nat. Bank, Meriden, . COO 00 ' 72000 500 00 

First " " 900 00 1,080 00 100 00 

Meriden Britannia Co., 0.00000 27,00000 0.00000 

Meriden Cutlery Co., 17,400 00 17,400 00 0,000 00 

1,825 00 1,825 >> 

Am -de m Ex. Co., N. Y.,... 8,500 00 1,697 00' 

Meriden Britannia Co., 9,000 00 27. (.00 00 9,000 00 

Home Nat. Bank, Meriden, 1,500 00 1,800 00 1,500 00 

l.ooo 00 l,2fo 00 900 00 

Meriden Britannia Co 1,000 00 8,000 1,000 00 

G. F. W. & Co. N. Haven,. 2,500 00 2,5 

First mtg. assigned to Co.. 2,800 00 2,800 00> 



i0 00 



8,150 00 



Total, $56,125 00 §99,912 00 $42,900 00 12,900 00 

Cash in Company's principal office. 1,099 71 

Oaafa deposited in bank 81,459 62 

Interest -In--- and Beamed on stocks, 1,010 00 

Inter- .1 loans, 

premiums In d 

Usneons property,8urveys, maps A •.. at one half cost. $4,000 



their actus] value 

4 



26 MEK1DEN FIRE INSURANCE COMPANY. 

III. LIABILITIES. 

Losses adjusted and unpaid, , 10,577 65 

Losses reported and unadjusted, ll,(>09 26 

Total, .- 22,186 91 

Deduct re-insurance, 800 00 



Net amount of unpaid losses... 21,386 91 

Unearned premiums on fire risks, one year or less, 06,020 37 

Unearned premiums on risks more than one year, 19,517 14 



Amount of unearned premiums as computed above,, 

Due for salaries, &c., 

Commissions, brokerage and other charges,.. 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



Total liabilities, including capital and surplus, 



85,537 


51 


800 


00 


1,553 


00 


109.277 


42 


200,000 


00 


10,240 


44 


$319,517 


86 



IV. INCOME DURING THE YKAR. 

Premiums received in cash, 211,870 78 

Deduct re-iusurancp., rebate, abatements and return 

premiums, 27,374 68 



Actual cash premiums, 184,496 10 

From interest on bonds and mortgages, 210 50 

From interest on loans and dividends on stocks and bonds, 15,404 93 

Commissions on risks placed in other Companies,... 1.077 82 



Actual cash income,...., $201,189 35 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $ 15, 707. 73 occur- 
ring in previous years) 118,376 11 

Deduct salvage and re-insurance, - 3, 259 9 1 



Net amount paid for losses, 115,116 20 

Cash dividends, 24,000 00 

Commissions or brokerage, 28,794 80 

Salaries and fees , 9,9o0 00 

Taxes, 4,705 06 

All other payments and expenses, 17,573 46 



Actual cash expenditures, $200,089 



VI. MISCELLANEOUS. 



Preraiuras. 



Risks in force having not more than one year to 

run from date of policy ,.$10,483,541 00 132,040 74 



NATIONAL HUE INSURANCE COMPANY. 27 

Having more than one and not more than three 

years to tan from date of polio; 1,479.024 00 18,047 19 

Saving more than three years to inn from date of 

of policy 1,880,708 00 19,572 58 

18,298,278 00 160,060 45 

Premiums received since- the organization of the Company, 875,046 70 

Losses paid since the organization of the Company 402,105 02 

Cash dividends paid stockholders 100,000 00 

Stock owned by directors at date, 47,800 00 

Loaned to officers and directors, 12,150 00 

Loaned io stockholders not officers, 30,750 00 

Basinets in Connecticut in 1877. 

Fire risks taken, (no inland), 2,347 G44 00 

Premiums received on same 28,845 55 

Losses paid, 15,822 15 



NATIONAL FIRE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business December 1st, 1871. 

Mai:k Howard, President. James Nichols, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS 

Real ..state owned by the Company unencumbered : — 

In St. Paul. Minn $5,444 70 

In Chicago, 111.. 5, :;:;o 28 io.77."> 01 

Loans on bond and mortgage, (first li.-n.M. not mott than one 

Ine 888,000 00 

Loan* on bond and mortgage, first liens), more than OS 

interest due 24,600 00 

Interest due and accrued on bond and mortgage loans 11V 

te of the land mortgfl $729 ,584 00 

Bui. . ured for $888,500), 581,826 

, m bo <>o 



28 



NATIONAL FIKE INSURANCE COMPANY. 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
State Stocks : — 

Connecticut State, 5,000 00 5,500 00 

Municipal Bonds : — 

Hartford Town 10,000 00 10,000 00 

" City, (Capitol) 25,000 00 29,000 00 

" " (Water), 10,000 00 10,000 00 

New Britain City, 6.000 00 % GOO 00 

Rochester " 1.5,000 00 16,500 00 

Detroit " 10,000 00 11,000 00 

Lockport " 10,000 00 11,000 00 

West Mid. Sch. Dist., Hatford,... 25.000 00 27.000 00 

Railroad Bonds : — 

Hart, Pro v. & Fishkill, 1st mtg... 40,000 00 43,200 00 

Hirlem R. & P. Chester. 1st intg. 25,000 00 28,750 00 

Railroad Stocks : — 

N. Y,, N. H. & Hartford, 40,000 00 63,200 00 

Pittsburg, Fort Wayne & Chicago, 10,000 00 0,100 00 

N. Y., Central & Hudson River,... 20,000 00 21,600 00 

Chicago, Rock Island & Pacific,.. 10,000 00 10,200 00 

Cleveland & Pittsburgh, 10,000 00 7,700 00 

Bank Stocks : — 

Nat. Mech. Banking A.sso'c X. Y., 5,000 00 2,750 00 

Metropolitan Nat. N. Y., 10,000 00 13,500 00 

Central National, N. Y., 5,000 00 5,150 00 

Farmers & Mechs. Nat, Hartford, 14,000 00 15,060 00 

Charter Oak *■ 10,000 00 12.700 00 

Phoenix " 30,000 00 45,300 00 

.Etna " 21,500 00 25,800 00 

City •" 5,000 00 4,550 00 

Hartford " 30,000 00 45,600 00 

Mercantile " 5,000 00 5,700 00 

National Exchange " 10,000 00 13,200 00 

Nat. Bank of Republic, Boston,... 7,500 00 9,825 00 

Boston National, Boston, 7,000 00 7,910 00 

Merchants, St. Louis, 875 oO 500 00 

Total, $431,875 00 $519,695 00 



519,695 00 



Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Hartford National Bank, $500 00 $760 00 $000 00 600 00 

Cashin office and banks, 47.896 54 

Interest due and accrued on bonds, 5,639 14 

Interest due and accrued on collateral loans, . 21 00 

Net premiums in due course of collection, 24,500 00 

Assets of the Company at their actual value $1,040,722 97 



NATIONAL Hl.K INSUKAN'OK COMPANY. 






III. LIABILITY 

i and unpaid, 

i ported and unadjusted, 

- n •:-« '1 8, 

Total 

Unearned premiuma on Eire risks, one year oi 1. 188 19 

Unearned premiama on risks more than one year G3,( ^7 »'.: 



Amount of onearned premiama as oompated al 



rotal Habilitiea exeepl capital stork. 

Capital atoek 

Surplus beyond capital 






167, 


.'■•-'i 


16 








;.«■ 








;: 



Total liabilities including capital and surplus, $1,010,; 



IV. INCOME DURING THE TEAR. 

Premiama received in cash. §278,278 76 

Deduct le-inearanoe, rebate, abatements and retorn 
premiama, 20,407 90 



Aetoal cash premiums, 

From interest on bonds and mortgagee 

From intereat on loanaand dividends on stocks and bonds, 

Actual cash income 



16 74 
626, l . 



V. EXPENDITURES DURING THE FEAR 

Amount paid for losses, including | cur- 
ling in previou |154 

Dsuranoe in other Coo 18 12 



I 

Cash dividends,- 

Oommissionfl or brokerage 

Salarb 

Taxes, 

All oft. 



1 cash exp 



164.67' 

: l 06 



VI. MISCELLANEOI - 

having n<»t mon to 

run from . $17,726,044 (Ml 

I 

. in from d 

g more than ti. 









30 NOKWALR fire insurance COMPANY. 

Premiums received since the organization of the Company, 2,228,385 04 

Losses paid since the organization of the Company, 1,014,727 88 

Cash dividends paid stockholders, 395,0. .0 00 

Stock owned by directors at date, ■..-. 120,000 00 

Loaned to stockholders not officers, 600 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 2,562,657 00 

Premiums received on same, 29,511 19 

Losses paid, 25,070 10 



NORWALK FIRE INSURANCE COMPANY, 

NORWALK, CoNN. 

Commenced Business May 12th, 1860. 
Wm. C. Street, President. Geo. R. Cowl.es, Secretary. 



I. CAPITAL. 
Capital actually paid up in cash,... $50,000 00 

IL ^ASSETS. 

Loans on bond and mortgage (first liens) not more than one 

year's interest due, 1,900 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. reg. 41 per cent, 1891, 10,000 00 10,550 00 

Dist. Columbia, 3,65's, 1924, 15,000 00 11,550 00 

Railroad Bonds :-- 

Danbury & Norwalk, 1,000 00 1,050 00, 

Bank Stocks : — 

German American National, N. Y. 1,500 CO 1,C65 00 

4th National, N. Y., 4.000 00 4,040 00 

Fairfield County National 1,000 00 1,150 00 

Cential National, Norwalk, 1,500 00 1,509 00 

total, $34,000 00 $30,905 00 30,905 00 



NOKWALK KIRK IN8UKANCK UOMPAN) iil 

hit, /•.//. 





iloa. 


Miik. t Value. 








Danbnrj National Bank, . 


I 00 


■ 00 








National B >nk of Norwalk,. 


800 1 


oo 


OO 






Danbnrj A Norwalk, K. B. 


200 


].,(! 00 


150 00 






Fairfield Co. Nat Bank 

Hndaon Oo. N. J. 7*s, 


2,000 00 

l.ooo no 


2,31 

1 .iii.o 00) 


2,400 00 






National Hank <>f Norwalk,. 


800 00 


380 001 








Fairfield Oo. Nat. Bank,.. . 


1 00 


280 001 








Union Iffg. Co., Norwalk.. 


7 B0 00 


I (Ml 


2, 14 ■ 






Danbn N k B i: ... 


.-.no 00 


750 00 








N 


2,500 00 


00 








0. K. B... 


iiOO 00 


500 


600 "(i 






Btamford National Bank,.... 


860 00 


600 00l 








Danbnrj A Norwalk It. B.. 
American Exchange Hank.. 


BOO 00 
3,000 00 


COO ()( > 

■ 

8,210 > 


1,50 \ 00 






Fairfield Oo. Nat. B tuk 

National Bank of Norwalk.. 


l.ooo 00 
600 00 


l.l.-.o 00] 
660 oo) 


'.H oo 






Norwnlk Ghu i 


7 7.". 00 


852 50 


750 00 






il Hank of Norwalk.. 


i 00 


on 


I 00 






Lounshnry A Bisftell * 


3,750 i'ii 


•1..M.I CO 


2,500 oo 






Total \ 


■..-. 00 


i28,912 7,o 


$1 !.-< 


1 1,200 




All other Becnred loan 








82,417 

hi,. 


l ". 


Cash in Company's principal 


office 






66 


Caab deposited in bank 








1 171 


1 * 


1 accrned on 


stocks 








77 


Iuterest doe and aeorned on 


collateral 1 

of collectic 


MUM 




6,445 


i o 


Net preminms in due course 
ajMAfa of the Com pan 


ill 






V at their actual value.... 




*,787 





III. LIABILITIES 

unonnt of unpaid losses 

preminms on fire risks, one year or lees,... 
Unearned premiums on risks more than one jear, . . .".. ! I ! 76 

Unearned preminms as oompnted ebore, 

■ k . 11.7 



Surplus 1 

i tel liabilities, inelndii 



IV. [N< OME DUB1NQ mi: JTBiB. 
•i reinsurance, reb I return 



32 



NORWALK F1KE INSURANCE COMPANY. 



From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bends, 



Actual cash income,. 



155 00 
9,459 95 

$18,115 52 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses (including $3,963.74 occur- 



ring in previous years. 
Deduct re-insurance, 



9,590 82 
3,538 tt7 



Net amount paid for losses.. 
Cash dividends paid stockholders, 

Commissions or brokerage 

Salaries and fees, 

All other pa j-rnents and expenses, 

Actual cash expenditures,... 



6,052 45 

5,000 00 

1,072 10 

1,625 00 

629 94 

.4,979 49 



VI. MISCELLANEOUS. 

Risks in force having not more than one year 

to run from date of policy, 1,269,777 00 

Having more than one and not more than three 

years to run from date of policy 756,906 00 

Having more than three years to run from date 

of policy, 165,775 00 



2,192,458 00 

Premiums received since the organization of the Company 

Losses pai 1 since the Company organized, 

Cash dividends declared, 

Stock owned by directors at date, * 

Loaned to stockholders not officers, 

Loaned to officers and directors, 



Premiums. 
12,552 55 
6,417 02 

1,724 44 

20,694 01 
214,700 25 
103,242 98 
50,200 (.0 
44,000 00 
10.950 00 
23,400 00 



OKI KM' FIKK INSUKA1 MI'.Wt . 



ORIENT [NSURANCE COMPANY, 

11 ibtfobd, Oomr. 
araenoed Business, January, I - 
. 'N. Presid Geo. W. l 'retary. 



I. CAPITAL. 

Capital actually paid up in cash $500,04 

II. ASSETS. 

Real Estate owned by the Company unencumbered : — 

In Hartford, Conn., $1,871 

In Washington, D. 0., 21,895 26,767 31 

Loans on bond and mortgage, (first liens; not more than one 

year's interest due, $144,800 00 

Interest due and accrued on bond and mortgage loans, 4,262 .".7 

Buildings, (insured for $173,800) 616,400 00 

Stock* and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks: — 

V. B. bonds. 6,8, L881, coupon, 10,000 00 10,987 60 

Municipal Bonds : — 

Ninth School District, Windsor. Ct.. - 3,000 0C 

Fifth School Dist. E. Windsor, Ct... 10,000 00 11,000 00 

Town of Paw-tucket. B. L, 25,000 00 28,750 00 

Town of Norwich, Conn 60,000 00 69,« 

. of Eransrille, Ind l< 10,000 00 

v X lo.ooo 00 11,000 00 

•• Washington. L :. ; 1.5,1 10 16,600 00 

•• [ndiana] olis, End 20,000 00 20.000 00 

County or Peoria, 111 5,000 00 

B UELBOAn BoMDS : — 

Indiana Central, 10 per cent 10,000 11,000 00 

Indiana], 11,000 00 9,900 

Hartford Pror. & Pishkill, 7's I 00 

- 
V. \. II. J ... 24,700 00 

CleTelandA. Pittsburgh 2 

Bvnk Stocks : — 

An;- -.tioiial. Hartford - 

1 \ 

■< 



84 ORIENT FIRE INSURANCE CCMPANF. 

Charter Oak National, Hartford, ■ 13,000 00 16,900 00 

Farmers &M. " " 10,000 00 11,600 00 

Mercantile " " 11,900 00 13,804 00 

Phoenix " " 6,200 00 9,518 00 

Exchange " " 9,100 00 12,012 00 

City " " 12,400 00 11,408 00 

Hartford " " 32,100 00 50,544 00 

Metropolitan National, N. Y., 7,500 00 9,750 00 

Miscellaneous : — 

Conn. Trust & S. Deposit Co.,Hf'd.. 10,000 00 8,500 00 

Atlantic Dock Co., 9,000 00 9,450 00 

Total, .$412,400 00 $515,851 50 515,851 50 



Loans on Collateral. 

Par Value. Market Value. Arat. Loaned. 
.Etna Nat, Bk. Hartford,.. 500 00 625 00 300 00 

Weed S. M. Co., Hart 5,150 00 2,060 00) 



Warren R. R. Co. 



' >■ 3,000 00 

2,050 00 2,050 00 i 

National F. Ins. Co., Hf'd 2.500 00 3,750 00 600 00 

Adams Express Co. , 2,500 00 2,450 00 2,000 00 

-Etna L. Ins. Co., Hart.... 600 00 2,400 00 1,200 00 

.Etna Fire Ins. Co. Hart.... 200 00 426 00 1 

American National Bank,.. 750 00 975 00 

Charter Oak Nat Bank,.... 500 00 650 00 , 

First Nat. Rank, Hartford. 300 00 285 00 j 

Willimantic Linen Co...... 9,700 00 27.548 00 20,000 00 



1,880 00 



Total $24,750 00 $43,219 00 $28,980 00 28,980 00 

Cash in Company's principal offioe, 1.082 76 

Cash deposited in Hank, 18,037 88 

Interest due and accrued on stocks and bonds 9.027 51 

Interest due and accrued on collateral loans, 884 36 

Net premiums in due course of collection, 28,585 32 



Assets of the Company at their actual value, $778,279 01 



III. LIABILITIES. 

Net amount of unpaid losses, 9,288 98 

Unearned premiums on fire risks, one year or less, ...$100,848 13 
Unearned premiums on risks more than one year, .... 44,089 23 



Unearned premium? as computed above, 144,937 36 

Total liabilities except capital stock, 154, 226 34 

Capital stock, 500,000 00 

Surplus beyond capital, 124,052 67 

Total liabilities including capital and surplus, $778,279 01 



0K1KNT FIRK [N8URANCK COMPANY. 

IV. ENOOME DURING THE YEAB, 

Premiums reo< its I in oash 6 01 

Deduct re insurance, rebate, abatements and return 
premiums, 25,685 19 

Actual cash premiums, 242,160 52 

Prom Intereel on bonds and mortgages 9,82 

From interest on loans and dividends on stocks and bonds 88,465 68 

mal Oaah inoome 

V. EXPENDITURES DURING THE YEAH. 

Amount paid for losses, (including $22,274.88 occurring in pre- 
vious years) 117,058 39 

Cash dividends, mo 00 

Commissions or brokerage :;<;,!k;i !»t 

Salaries and fees .*. l'L\<>G4 3(\ 

Taxes, 6,419 57 

All other payments and expenses, 22.192 41 



Actual cash expenditures, $273,190 70 

V. MISCELLANEOUS. 

Premium;*. 
Risks in force having not more than one year 

to run from date of policy, $15,698,537 00 201, G96 26 

Having more than one and not more than three 

years to run from date of policy,... 4,397,798 00 50,319 39 

Having more than three years to run from date of 

policy, 2.794,877 00 36,866 99 

$22,891, 212 00 288, s 

Premiums received since the re-organization of the Company, 2,081,288 60 

id since there-organization of the Company, 1,092,868 

Cash dividends paid stockholders 240,000 00 

owned by direotors at date, 56,000 00 

dividends declared 100,000 00 

Loaned to officers and directors, - 60,61 

Loaned to stockholders not officers,.. 28,100 <"> 

Businsu in Connecticut in 1877. 

I ir. risks taken (no inland) 2,458,865 00 

Premiums received 26,199 16 

Losses jjii-i. . 154 84 



3t> PEOPLES FIRE INSURANCE COMPANY. 



PEOPLES FIRE INSURANCE COMPANY, 

MlDDLETOWN, CONN. 

Commenced Business, May, 1865. 
-I esse G. Baldwin, President. Seth H. Butler, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $101,000 00 

Capital for which subscribers' notes or other obligations are held, 99,000 00 

IE. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 2,400 00 

Value of the laud mortgaged, $2, 500 00 

Buildings (insured for $3,000), 3,500 00 



$0,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 



U. S. and State Stocks : — 












District of Columbia, 7 per c...... 


5,000 


00 


5,000 


00 




Municipal Bonds : — 












Middletown Town, 7 per c.,., 


41,800 


00 


45,144 


00 




Chatham " 7 per c, 


6,000 


00 


0,480 


00 




Portland " 7 per c, 


7,500 


00 


8,100 00 




City of Middletown, 7 per c, 

" " per c, 


35,000 
3,100 


00 
00 


37,800 
3,100 


00 
00 




' ' Kansas, Mo. , 8 per c. , 

" Portsmouth, O., 7 per c , 


10,000 

0,001) 


00 

00 


10,000 

0,300 


00 
00 




" St. Paul, Minn., 7 per c, 


5,000 


00 


5,250 


00 




Jeff erson v. , Ind. , 7 3 - 1 0p. c 


10,000 


00 


10.300 


00 




" Quincy, 111., perc, — 
" Council Bluffs, 8 perc.,... 


5,000 
5,000 


00 

00 


4.700 
5,250 


00 
00 




Railroad Bonds : — 
N. H., M. & Willimantic, 


20,000 00 


4,000 


00 




Bank Stocks : — 

Central National, 


15,000 


00 


20.000 


00 




First " 


14,000 00 
3,900 00 

.$192,300 00 


14.000 
5,200 


00 
00 




Middletown" 




Total, 


$190,024 00 


190,024 00 












5,872 47 


Net premiums in due course of colle 










1,341 80 













Assets of the Company at their actual value, $200,238 33 



PEOPLKS P1RE INSURANCE COMPANY, 87 

111. UABILITE 

eonnl of unpaid losses, 2,872 »;i 

ned premiums on fire risks, one year or less 1 1,909 28 

tied premioma on risks more than one year 7,212 <il 

Amount of unearned premiums as computed above. 19,121 89 

Due for Balarien, A i 200 00 



rote! liabilities except capital stock l ; l'. 194 •">:'. 

Capital stook 101,000 <>o 

Surplus beyond capital 77,048 80 

Total liabilities including capital and surplus £200,2; 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 80,608 12 

Deduct re-insurance, rebate, abatements and return 

premiums 1,122 ."•! 

Actual cash premiums, 29,485 56 

From interest on bonds and mortgages, ]; )t ; no 

From interest on loans and dividends on stocks and bonds, 11,706 17 



VI. MISCELLANEOUS. 



Actual cash income $41,347 78 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $2,109.67 occurring in pre- 
vious years i , 19,585 4.", 

Cash dividends 10,000 00 

Commissions or brokerage, 4,(><;i 08 

Salaries and fees 8,150 00 

All other payments and expenses 87-1 00 



Actual cash expenditures, $37,620 68 



Premium.? 



3 in force haying aot more than one year to 

run from date of policy $1,878,159 72 

ing more than one and not more than three 

yean to run from date of policy, so 40 7.«; 

llav eg more than t: to run from date 

►licy, 545,290 00 20 15 



8v 102,600 12 87,11 

of the Company 16001 

ui/ati-.n of th' I 224,1 

Ca«h dividends paid stockholders 

. 




8tf PEOPLES FIRE INSURANCE COMPANY. 



PEOPLES FIRE INSURANCE COMPANY, 

Middletown, Conn. 

Commenced Business, May, 1865. 

Jesse G. Baldwin. Preside/it. Seth H. Butler, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $101,000 00 

Capital for which subscribers' notes or other obligations are held, 01), 000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 2,400 00 

Value of the laud mortgaged, $2,500 00 

Buildings (insured for $3,000), 3,500 00 



$6,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

District of Columbia, 7 per c...... 5,000 00 5,000 00 

Municipal Bonds : — 

Middletown Town, 7 per c, 41,800 00 45,144 00 

Chatham " 7 per c, 6,000 00 6,480 00 

Portland l< 7 per c, 7,500 00 8,100 00 

City of Middletown, 7 per c, 35,000 00 37,800 00 

per c, 3,100 00 3,100 00 

Kansas, Mo., 8 per c, 10,000 00 10,000 00 

" Portsmouth. O., 7 per c, 6,000 00 6,300 00 

St. Paul, Mmn., 7 per c, 5,000 00 5,250 00 

Jefferson v., Ind.,7 3 -10p.C 10,000 00 10,300 00 

Quincy, 111., G per c, .... 5,000 00 4.700 00 

Council Bluffs, 8 per c.,... 5^000 00 5,250 00 
Railroad Bonds : — 

N. H., M. & Willimantic, 20,000 00 4,000 00 

Bank Stocks : — 

Central National, 15,000 00 20.000 00 , 

First " 14,000 00 14,000 00 

Middletown" 3,900 00 5,200 00 



Total, $102,300 00 $190,024 00 190,02400 

Cash deposited in bank, 5,872 47 

Net premiums in due course of collection, 1,341 80 

Asseto of 1he Comuanv at their ar-rual value $200,238 33 



PEOPLES Kli:i: INSURANCE com tan v. 

III. LlAbll.llI 

aount of unpaid loses, ' , !2 <u 

Unearned premiums on Are risks, one year or less 1 1,909 28 

Unearned premiums on risks more than one year, 7.l'Il' <;i 

Amount of nnearned preminms as oompnted above, 1!Mlm 89 

Due for salaries, A i 200 00 



Dotal liabilities except capital stock 22.194 "•:'. 

Capital Btook 101,000 00 

Surplus beyond capital 77,048 80 

Total liabilities including capital and surplus $200,2. 



IV. INCOME DURING THE YEAR. 

Premioms received in cash 80,608 12 

Deduct re-insurance, rebate, abatements ami return 

premiums 1. !'_"_' 5G 

Actual cash preminms w, I - 

Prom interest on bonds and mortgages, ].",<; no 

From interest on loans and dividends on stocks and bonds. 11,706 17 



VI. MISCELLANEOUS. 



Actual cash income $41,347 78 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for Losses, (including (2,109.67 occurring in pre- 
vious years i , 19, 53/5 4.~> 

Cash dividends 10,000 <)<) 

Commissions or brokerage, 4,061 08 

Salaries and fees, 3,1.50 00 

All other p .nd expenses s7( qq 



Actual cash expenditures, $37,620 58 



Premium..* 



baying not more than one year to 

run from date of policy $1,878,169 72 J18 57 

ing more than one and not more than three 

run from date of policy 684,150 40 7.c 

11 av ng mors than i: to run from date 
of policy 545,290 00 



02,600 12 87, ! 

Premi ince the org mpany 160 019 00 

L mization of thi l 224 t ( 

1 diridends pai 1 stockholders 



Stock dividends declared, 



38 PHCGlNlX FIRE INSURANCE COMPANY. 



PHCEXIX FIRE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, June, 1851. 

H. Kellogg, President. D. W. C. Skilton, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $1,000,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered : — 

In Hartford, Conn., $125,000 00 

In Charleston, South Carolina, 10,000 00 135,000 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 53,000 00 

Interest accrued on bond and mortgage loans 1,395 00 

Value of the land mortgaged, $45,000 

Buildings (insured for $27,300)> 37,000 

$82,000 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. 6's, 1881, Gperc, 100,000 00 110,000 00 

Alabama State, 8 per c, 50,000 00 20,500 00 

Indiana State, (5 per c, 100,000 00 102,000 00 

South Carolina, old reg., 6 per c, 25,003 70 10,001 48 

Tennessee State, 6 per c, 26,000 00 9,880 00 

Municipal Bonds : — 

Madison County, Iowa, 8 per c.,. 25,000 00 25,750 00 

Hartford City, 6 per c, 10,000 00 11,000 00 

Detroit City. 7 per c, 50,000 00 55,000 00 

Cincinnati City, 7 3-10 per c, 50,000 00 54,500 00 

Cambridge City, Ind., 10 per c.,. . 3,000 00 3,000 00 

San Francisco, 6 & 7 per c, 48,500 00 50,925 00 

Jacksonville, 111., 8 per c, 50,000 00 52,500 00 

New Britain Water, 7 per c, 10,000 00 11,000 00 

Contra Costa Water Co., 8 per c, 25,000 00 25,750 00 

Railroad Bonds : — 

Indianapolis & Cin., 7 per c, 51,000 00 45,900 00 

Connecticut Western, 7 per c...... 20,000 00 5,000 00 



IX FIKK 1NSUKANCK COMPANY 



Pai Value. .Maik.'t Value. 

Connecticut Valley, 7 per a 10(1,000 00 60,000 00 

Harlem Kiv. A Port Qhest, 7 p.* 50,000 00 59,000 00 

Bouthero Minnesota, 7 pero 60,000 00 .".,000 00 

s • 

York. \rv, Haven A Hart.... 60,000 00 79,600 00 

25,000 00 24,500 00 

Chi. id A- Pacific.... 20,000 00 20,050 00 

Ohioago, Boriington <k Qoinoy, . .. 20,000 00 20,400 00 
Bask Stocks : — 

Hartford National, Hartford, 100,000 00 158,000 00 

Farm. A Mean. " " K) 00 50, l 

roantile " •■ 70,000 00 82,600 00 

Charter Oak " " 11.000 00 1 i.ivi. .10 

Oity •• " 20,000 00 18,200 00 

Da " " 30,000 00 87,200 00 

Phoenix •• " CI. 700 00 98,091 no 

lie, 19,200 00 22,080 00 

Connecticut River, ■• 5,000 00 3,750 00 

American National. " 50,000 00 65,000 00 

National Exchange. " 13,000 00 17,160 00 

ropolitan National, New York, 7,500 00 10,12.") 00 

Merch. Ex " " 9,000 00 7,650 00 

Iff re. & Merchants, " 2,00000 1,80000 

New Britain Nat, New Britain 19,000 00 23,7. r >0 00 

Waterbury " Waterbury,... 20.000 00 82,400 00 

Imperial, Toronto, Ont 6,000 00 5,000 00 

Nat.Gold Bt A Trust Co. S. Fran. 7,500 00 7,500 00 
MlBOXnLAlUOUS : — 

Holyoke Water Power Co., 35.000 00 51,450 00 

Hartford Trust Co.. 25. 0110 00 23,250 00 

Central Trust Co.. N. Y., 5,000 00 5,876 00 

Atlantic Dock Co., 50.000 00 62,600 00 

tal $1,570,308 70 11,644,612 49 



1,644,612 18 



Par v pket Value, Ami Loaned. 

. 50, 00 100000 00 

00 50,500 00) 

Hart IV.. v. A P. a. It. 7,000 00 7.1'." 4,82a 

In.li.r. EL 4,000 8,601 

Hartford Truflt Go 1,00000 980 00 156 00 

• 00 17,7oo 00 16,000 

Phoenix •• 400 00 612 001 , KM M 

l..(00 00 

.Etna Lit" I 00 1,760 00 > 

900 00 2,018 00 518 

-Mm irrj Oo. 65,00 

• .1 1194,000 00 |198, 

•a- id • • Port- 

land, 1 



40 PfcKENIX F1KE INSURANCE COMPANY. 

Cash in Company's principal office, ". 11,163 57 

Cash deposited in banks, 308,9(58 88 

Interest due and accrued on collateral loans and bank deposits,.. 2,197 59 

Net premiums in due course of collection, 155,450 81 

Rents due and accrued, 883 33 



Assets of the Company at their actual value, $2,486,194 G6 



III. LIABILITIES. 

Losses reported and unadjusted, $94,25(5 4(5 

Losses resisted, 20,500 00 



Total v 114,756 40 

Unearned premiums on fire risks, one year or less,. ..$515, 7(53 43 
Unearned premiums on risks more than one year,.... 282,070 19 



Amount of unearned premiums as computed above, 797,833 62 

Total liabilities except capital stock, 912,590 08 

Capital stock, : 1,000,000 00 

Surplus beyond capital 573,604 58 

Total liabilities including capital and surplus, $2,486,194 66 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,407,393 79 

Deduct l'e-insurance, rebate, abatements and return 

premiums, 81.838 00 

Actual cash premiums, 1,325.555 79 

From interest on bonds and mortgages, 2,754 17 

From interest on loans and dividends on stocks and bonds, 10!), 582 20 

From rents, 3,938 96 

Actual cash income, $1,411,831 12 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $82,433.48 occurring in pre- 
vious years,) 645,340 06 

Cash dividends, 200,000 00 

Commissions or brokerage, 212,016 97 

Paid for salaries 65,195 48 

Taxes, 39,408 60 

All other payments and expenses, 115,755 81 

Actual cash expenditures, $1,277,716 92 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, $82,806,990 00 1,031,526 87 



SECURITY FIRE INSURANCE OOMPANT. 41 

Having more than one and not more than three 

years to run from date of policy ." 26,600,526 00 887,881 1)2 

Having more than three years to run from date of 

policy, 10,090,728 00 182,785 <>7 

$119,498,239 00 1,501,(143 8(5 

Premiums received since the organization of the Company 20, 168,940 76 

Losses paid since the organization of the Company, 12,441,178 24 

Cash dividends paid stockholders, 1.920,000 00 

Stock owned by directors at date, 117,800 GO 

Loaned to officers and directors, 55,800 00 

Loaned to stockholders not officers, 6,898 00 



Business in Connecticut in 1877. 

Fire risks taken (no inland), 8. 033,453 00 

Premiums received on same, 81,572 07 

Losses paid ... 37.047 93 



SECURITY INSURANCE COMPANY, 

New Haven, Conn. 

Commenced Business, April, 1841. 

Charles Peterson, President. Herbert Mason, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, $14,900 00 

Interest accrued on bond and mortgage loans, 94 37 

Value of the land mortgaged, $24,500 00 

Buildings (insured for $12,000,) 12,000 00 

$36,500 00 

I 



42 



SECURITY FIKE INSURANCE COMPANY. 



8 oiks and Bonds owned by the 

Par Value. 
U. S. Stocks : — 

Gov. Bonds 5's, 1881, reg 90,000 00 

'" new H's, reg 10,000 00 

" 5-20's, of 1867, coup., 4,500 00 

Railroad Bonds : — 

Chicago & Alton, income bonds,. 16,500 00 

N. H., & Northampton, convert... 15,000 00 

Pekin, P. & Jacksonville, 1st mtg. 6,000 00 

West Wisconsin, 1st mtg 3,000 00 

Railroad Stocks : — 

N. Y. N. H. & Hartford, 20,000 00 

Shore Line, 6,100 00 

Morris & Essex 18,000 00 

B.vnk Stocks : — 

N. H. County Nat. New Haven, ... 6,000 00 

Yale National ' ; .... 10,000 00 

New Haven National ; ' .... 7,900 00 

Merchants " " .... 6,800 00 

Second " " .... 11,200 00 

Tradesmen's " " .... 1,000 00 

Nat. Bank of Commerce, N. Y.,... 5,000 00 

Bank of the Republic "• .... 3,800 00 

American Exchange Nat, " .... 10,000 00 

Miscellaneous : — 

New Haven Water Co., 12,500 00 

Total, $263,300 00 



Company. 
Market Value. 

95,062 50 
10,362 50 

4,882 50 

17,242 50 
12,750 00 

5,400 00 

1,200 00 

30,650 00 

7,137 00 

13,680 00 

7,800 00 

10,000 00 ■ 

11,455 00 

6,800 00 

16,240 00 

1,500 00 

6,100 00 

3,382 00 

10,525 00 

13,125 00 

$285,294 00 $285,294 00 



Loans on Collateral. 

Par Value. Market Value. 
Nat. Tradesmen's Bk. New Haven, 1,500 00 2,250 00 
Second National Bk. " 1,800 00 2,610 00 

N. H.Sav. Bk. Dep. book, assig'd 2,400 00 2,400 00 



Amt. Loaned. 
2,000 00 
2,000 00 
2,000 00 



Total, $5,700 00 $7,260 00 $6,000 00 



6,000 00 



Cash in Company's principal office, 

Cash deposited in banks, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 

Net premiums in due course of collection, 

Bills receivable, 

All other property belonging to the Company, 

Non-resident State tax to be collected back from stockholders, 



107 97 

36,501 96 

1,247 50 

34 71 

19,703 08 

14,946 36 

3,284 00 

353 00 



Assets of the Company a| their actual value. $382,466 95 






SECURITY FIRE INSURANCE com can v. \l) 

III. LIABILITIES. 

s adjusted and unpaid $:5,:;:;i; 97 

s reported and unadjusted 2i.47<; 15 

- resisted 5)500 00 

Net amount of unpaid losses, 30,818 12 

Unearned premiums on fire risks, one year or less $80,639 30 

Unearned premiums on risks more than one year, 19,657 10 

Unearned premiums on inland navigation risks 4.28!) 01 

Unearned premiums on marin3 risks, 19,936 3!> 



Amount of unearned premiums as computed above, 124, 521 80 

Total liabilities, except capital stock 1">4,834 92 

Capital stock 200.0(H) 00 

Surplus beyond capital, 27.632 03 

Total liabilities, including capital and surplus, $382,466 !»."> 



IV. IN'COME DURING THE YEAR. 

Fire. Marine and Inland. 

Premiums received in cash, $224,717 03 $119,044 93 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 39.802 23 617 50 



Actual cash premiums, $184,914 80 $119,027 43 303 ; 942 23 

Bills and notes received for premiums unpaid, 14,946 36 

From interest on bonds and mortgages, 1,081 50 

From interest on loans and dividends on stocks and bonds 15,563 73 



Actual cash income, $320,587 46 

V. EXPENDITURES DURING THE YEAR. 

Fire. Marine and Inland. 

Amount paid for losses, (including $27,- 

156.60 occurring in previous years,)... 128.228 92 93,405 61 
Deduct re-insurance and salvages, 9,813 48 5,134 18 

Net amount paid for losses, 118,415 44 88,271 33 206,686 77 

Cash dividends, 20,000 00 

Commissions or brokerage, 47,887 97 

Salaries and fees, 21.088 19 

Taxes, 1,998 18 

Actual cash expenditures $300,661 ll 



VI. MtSCfcLLANEOI 

Premiums. 
;ii force haying not more th;iu one year to 

ran from date of policy 10,927,829 00 161,5 



44 HARTFORD STEAM BOILER COMPANY. 

Having more than. one and not more than three 

years to run from date of policy, 1,282 524 00 14,386 56 

Having more than three years to run from date of 

policy, 1,599,623 00 20,454 24 



13,809,476 00 196,119 41 
Marine & Inland. Premiums. 

Net amount in force Dec. 31, 1877 1,080,303 00 28,514 42 

Premiums received siuce the organization of the Company, 2,C35,491 67 

Losses paid since the organization of the Company, 1,366,252 85 

Cash dividends paid stockholders, 250,281 00 

Stock owned by directors at date, 25,600 00 

Loaned to officers and directors.,.. 2,200 00 

Stock dividends declared, 50,000 00 

Business in Connecticut in 1877. 

Fire. Marine & Inland 

Fire marine and inland risks taken, $2,254,268 10 1,152,977 00 

Premiums received on same, ....." 24,639 39 22,976 07 

Losses paid, it 11,402 14 . 16,568 36 



HAIlTFOKD STEAM BOILER INSPECTION AND 
INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, October, 1866. 

J. M. Allen, President. J. B. Pierce, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), not more than one 
year's interest due, 71,050 00 

Interest accrued thereon, 2,177 05 

Value of the land mortgaged, $204,375 00 

Buildings, (insured for $12,000), 37,925 00 

$242,300 00 



HARTFORD stkam BOlLKH COMPANY. \'> 

■.sand Bonds owned f-y tin Company. 

Par Value. .Market ValU* 
l T . S. and Siati; B TOO M : — 

oectiout 6peroent 70,000 00 77,000 00 

District of Colombia 3-66*8 46,000 00 84,600 00 

Mrsii iiAi. Bonos : — 

Urban* Township, 111 1,000 00 4,000 00 

City of Evansxillo. Ind. 10,000 00" 9,500 00 

•wnship. Ill 3,000 00 4,860 00 

Peoria County, 111 6,000 00 5,260 00 

Raidboad Bonds : — 

Dayton A Western 16.000 00 11,660 00 

Railroad Stocks : — 

York New Haven & Hartford 10,000 00 16,400 00 
Bank Stocks : — 

City National. Hartford, 6,000 00 4,600 00 

Hartford National, Hartford, 1,300 00 1,950 00 

Miscellaneous : — 

Security Company 6,00000 5 i 000 00 



Total, $176,300 00 $173,500 00 173,600 00 

Cash in Company's principal office, 134 62 

Cash deposited in bank 13.079 01 

Interest due and accrued on stocks, 527 l'» 

Net premiums in due course of collection, l!»,.">43 0i 

All other property belonging to tho Company 2,400 00 



Assets of the Company at their actual value, .$28f>,711 21 

III. LIABILITIES. 

mount of unpaid losses 2,775 00 

premiums received upon all unexpired steam boiler 

risks 114,278 98 

Amount of unearned premiums computed at fifty per cent., 57,139 16 

Due for salaries, ko 875 00 



Total liabilities, except capital stock. 60,289 MS 

Capital stock. 200,000 00 

Surplus beyond capital 25,421 75 

• il liabilities, including capital and surplus $285,711 21 



IV. INCOME DURING TBB YEAR. 

I red in oash, 120,728 25 

Deduct reinsurance, rebate, abatements and return 
premiums, B,884 21 



-li premiums ill.- 

Prom a bonds and mortgages 

L diridends on stocks and bonds ' s t 

from assured for inspection of Steam Bo ... 61 V C 

Actual ca*h b $179,621 9(3 



4ft HARTFORD STEAM BOILKR COMPANY. 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $552.02 occurring in pre- 
vious years), 8,4G6 50 

Gash dividends, . 20,000 00 

Commissions or brokerage, 42,821 27 

Salaries and fees 11,700 00 

Taxes, 1 2,430 96 

All other payments and expenses, 77,594 64 

Actual cash expenditures, $158,013 37 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force, 12,955,908 00 114,278 93 

Premiums and Inspections received since the organization of the 

Company, 1,292,453 61 

Losses paid since the organization of the Company, 86,327 34 

Cash dividends paid stockholders, 117,250 00 

Stock owned by directors at date, 35,240 00 

Stock dividends declared, 90,000 00 

Business in Connecticut in 1877. 

Steam Boiler risks taken, 1,338,890 00 

Premiums received, 10,607 32 

Received for inspections, 4,545 00 

Losses paid, 160 22 



MUTUAL FIRE 
INSURANCE CO'S OF THIS STATE 



ABSTRACTS COMPILED FROM THEIR ANNAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1877. 



MUTTAL KIRK INSURANCE GO'S. 



CONNECTICUT MUTUAL FIRE INSURANCE m COMPANY, 

Mi:i:ii«en. Conn. 

Commenced Business, January 14. 1876. 

Joei. H. Gut, President. .James K. Gi r, Secretary. 



I. ASSE IS. 

Stocks an I B ei hy t/c Company. 

Par Value. Market Valm 
Hank Stocks : — 

Pint National, West lieriden 10,000 00 11,600 00 

Middlesex County Nat. Middlet'wn 2,500 00 2,500 00 

Central National. Middletown, 760 00 1,040 <><> 

Yale National, New Haven, 1,000 00 1.081 



Total. $14.2:>o <mi Slli,170 00 $16,170 00 

Loans on Collati rat. 

Gallic Market Value Aim. Loaned. 

Meriden Cutlery Co 2,600 00 2,760 00 2,260 00 

Merideu Fire Ins. Co 4,900 00 5,146 00 4,000 00 

Home Mut. Fire Ins. Oo 2.500 00 2,600 <><» 2,250 00 

2,000 00 2,«X) '"» 2,250 00 

Peck. Bto* a- Wiloox Co.... 4,625 oo 8.476 00 4,500 00 



tal - 5 00 $18,870 00 $15,250 00 $15,250 00 

the Company, secured by mortgage of real estate, 10 00 

All other 1 by the Company 87,600 <><> 

my, 

Deposit in the I sal Bank 2,841 -7 

• looted 1,585 98 

1,282 50 

Furniture and fixtures. 700 00 



Gross assets except premium D $109,419 

7 



50 CONNECTICUT MUTUAL FIRE INSURANCE COMPANY. 

Amount of premium or deposit notes held by the Company, being 
(1,705 in number, ) which are liable to future assessment for pay- 
ment of claims, deducting the amount already assessed or col- 
lected theieon, 119,428 15 

II. LIABILITIES. 

Losses in process of adjustment, 2,200 00 

Gross premiums received in cash or notes, 12,164 20 

Deduct re-insurance, 348 83 

Gross premiums on outstanding risks, $11,815 37 

Unearned premiums taken at 50 per cent., 5,907 08 

Amount due or to become for cash premiums,... 19 20 

Gross amount of liabilities: 8,126 94 



III. INCOME. 

Amount of cash received for premiums, 11,509 02 

Deduct amount paid for return premiums 771 11 

Net cash received for premiums. 10,737 91 

Interest on mortgages of real estate, , 300 00 

Interest and dividends from all other sources, 6,442 50 

Gross cash income, $17,480 41 

Amount of premium or deposit notes liable to assessment,. 49,490 35 

IV. EXPENDITURES. 

Net amount of losses for the year, 2,956 75 

Paid for commissions or brokerage, 1,640 97 

Paid or allowed for salaries, fees, &c, 1,950 00 

Paid duidng the year for interest on borrowed money, 24 90 

Paid for taxes, 821 16 

Paid for rents, 150 00 

Office, Agency and Incidental expenses, 918 76 

Dividend on Guaranty Capital, 6,200 00 

Gross expenditures during the year, $ 14,662 54 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, (deducting 

$630.75 i-e-insurance in other companies,) 2,173,498 20 

Risbs written during the year, 1,484.358 00 

For a shorter term than one year, 61,620 00 

For the term of one year, 175,544 00 

For a term of more than one and not more than three years, 751,839 00 

For a term of more than three years 495,355 00 

Amount of risks terminated during the year, 285,965 33 

Losses during the year on risks of the Company, 4, 734 75 






ItAMU'KV MUTUAL KIICK IN8UKAN0K COMPANY. 



•M 



DANBURY MUTUAL FIRE [NSURANCE COMPANY, 

Daxbubt, Ooim. 
Commenced Boain< 
Fredericks. Wildmvn, PruidiM William 8. Peck, S<<-r<tary. 



I. ASSETS. 

Cash loaned by the Company, secured by mortgage of real estate. 

b in the office of the Company 

-it in the Savings Bunk of Danbury 

Gross assets, except premium notes. 

Premium notes held by the company (being 287 in number,) 
which are liable to future assessment for payment of claims, 
deducting the amount already assessed or collected thereon, 



8,492 17 

86 81 

5,160 r>4 


13,728 

8,770 0G 



II. LIABILITIES. 

Gross premiums on outstanding risks, 4,791 08 

Unearned premiums taken at fifty per cent 

All other demands against the Company, 

Gross amount of liabilities, 

III. INCOME. 

Amount of cash received for premiums, 601 81 

Deduct amount paid for return premiums, 4 83 

t cash received premiums, 

Interest and dividends from all other sources, 

Gross cash income received during the year, 

Amount of premium or deposit notes, liable to assessments, dur- 
ing the year 

IV. EXFENDITUBES. 

kid during the jear for kmei 

I'.ti'l for coinmis-ioiis ;m<l br<» 

Paid or allowed for 

for taxvs 

All other payments ■ad tirpe&diterei 

< ir .ijg the ye.tr 



2,395 84 
42 50 

$2,438 34 



590 98 


752 


10 


$1,349 08 


661 


48 



60 00 

60 is 

in 60 

|84] 08 



52 FARMERS MUTUAL FIRE INSURANCE COMPANY. 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 

Premium or deposit notes liable to assessment received on out- 
standing risks, 

Risks written during the year, 

For a term more than one and not more than three years,. 

Amount of risks terminated during the year, 

Losses occurring during the year on risks of the Company, 



340,439 00 

8,770 06 

24,825 00 

24,825 00 

17,887 00 

50 00 



FARMERS MUTUAL FIRE INSURANCE COMPANY, 

Suffield, Conn. 

Commenced Business, September, 1853. 

Wm. L. Loomis, President. Wm. H. Remington, Secretary. 



I. ASSETS. 

Deposited in the Suffield Savings Bank, 

t; '' First National Bank of Suffield, . 

Net amount due the Company from agents for premiums collected 

and in course of transmission, 

Net amount of unpaid assessments or calls on premium or deposit 

notes held by the Company, which are due and collectible, 

Gross assets except premium notes, 

Amount of premium or deposit notes held by the Company which 
are liable to future assessment for payment Of claims, deduct- 
ing the amount already assessed or collected thereon , 



50 


03 


100 74 


235 


53 


150 


03 



536 38 



103,024 00 



II. LIABILITIES. 
Amount of interest due or to become due for borrowed money, 



1,G85 00 



III. INCOME. 

Amount of cash received for premiums, 560 41 

Amount actually received for assessments during the year, 818 20 

Cash received from borrowed money, 900 00 

Gross cash inoome, $2,278 61 



L960 


mi 


181 


so 


65 


on 


50 (is 


2 


so 


#2.195 


08 



FAR1UNGT0H VALLEY MUTUAL FIRK INSURANCE < 
IV. EXPEND] I I BE8 

ft ' amount of losses for the year 

Paid or allowed for salaries, foea a • 

Paid for interest on borrowed money, 

Ofltoe, agency, and ineidenteJ ezpeneei 

Preminm returned 

Gross expenditures daring the year 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year 861.146 <"» 

Amount of premium or deposit notes liable to assessments re- 
ceived on outstanding risks 108.024 00 

Amount of cash deposita received on out-funding risks, (estimated) 6,000 <><) 

Amount of risks written during the year, 122,000 00 

For a shorter term than one year, 6,000 00 

For the term of one year, 6,000 <>•) 

For the term of more than three years 116,000 00 

Amounted of risks terminated during the year, 17:5,8~>0 00 

Losses occurring during the year on risks of the Company, J, 400 00 



FARMINGTON VALLEY MUTUAL FIRE INSURANCE 

COMPANY, 

Faumington, Conn. 

Commenced Business, January 31, 1854. 

Augustus Wabd, Pretident, Richard H. Gay, Secretory. 



I. ASSETS. 

Cash loaned by the Company, eo co red by mortgage of real estate, 8,600 00 

Cash in the office of the Company, ~>l 94 

Deposited in the Farmington Savings Bank, l,0J 

Gross assets, except premium notes '■> 89 

Amount of premium or deposit notes held by theOompany (being 
1<m; in number i whieb are liable to future assessment for pay- 
ment of cliiims. deducting the amount <-ssed or < 
lected thereon 11,616 24 



54 FARMINGTON VALLEY MUTUAL FIKE INSURANCE CO. 

II. LIABILITIES. 

Gross premiums on outstanding risks, $610 37 

Unearned premiums taken at fifty percent., 305 19 

Amouut of taxes due and accrued, 27 70 

Gross amount of liabilities, $332 98 



III. INCOME. 

Amount of cash received for premiums, 161 35 

Deduct amount paid for return premiums, 75 

Net cash received for preminms, 160 60 

Interest on mortgages of real estate, 159 90 

Interest and dividends from all other sources, 69 65 

Gross cash income, $390 15 

Amount of premium or deposit notes liable to assessment actually 

received during the year, 925 00 

IV. EXPENDITURES. 

Paid or allowed for salaries and fees, 15 00 

Paid for taxes, 25 59 

All other payments and expenditures, 55 66 

Gross expenditures during the year, $96 25 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 93,0^6 00 

Amount of premium or deposit notes liable to assessment received 

on outstanding risks, 11,943 74 

Amount of risks written during the year, 6.450 00 

Amouut of risks terminated during the year,... 3,492 00 



GREENWICH MUTUAL FIRE INSURANCE COMPANY. 



GREENWICH Ml'ITAL FIRE [NSURANCE COMPANY, 

(ii.i i \\\ [< 11. < 

Commenced Business, November, I 
Tbom nt. .John Dayton, Secretory. 



I. ASSI 

Cash loaned by the Company, secured by mortgage of real estate, 424 00 

Amount of all other oaah lotus made by the Company 1,17.7 '."7 

Cash in the office of the Company 717 56 

All other property belonging to the Oompeny 75 00 

Gr< .xcept premium notes, 7 1 55 

Amount oi premium or deposil notes held by the Company (being 
: in number, i which are liable to future a for pay- 
ment of claims, deducting the amount already assessed or col- 
lee; 21,069 50 



II. LIABILITIES. 

Amount of return premiums due or to become due, 55 05 

-nt of taxes due and accrued 89 65 

All other demands against the Company, 196 11 

ss amount of liabilities, f29 



III. INCOME. 

Amount of cash rereiv.-l for premiums '171 64 

Deduct amount paid for return premiums,. 55 05 

N • ive.i f.,r premiums 

■ on mortgages of r 

from all othet 

: loome 

»' of premium or dV ; lotually 





IV. 





Paid for tea 





59 








ol 











56 HARTFOKI) COUNTY MUTUAL FIRE INSURANCE CO. 

Paid for rents, , 25 00 

All other payments and expenditures, 21 11 

Gross expenditures during the year, $311 36 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the yerr, 415,490 00 

Amount of premium or deposit notes liable to assessment re- 
ceived on outstanding risks, 21,069 50 

Cash deposits received on outstanding risks, 3,355 57 

Amount of risks written during the year, 89,575 00 

For the term of one year, 3S,200 00 

For a term of more than one and not more than three years, 18,480 00 

For a term of more than three years, 32,895 00 

Amount of risks terminated during the year, 105,380 00 

Losses occurring during the year on risks of the Company, 75 60 



HARTFORD COUNTY MUTUAL FIRE INSURANCE 
COMPANY, 

Haktford, Conn. 

Commenced Business in 1832. 

James B. Shultas, President. Wm. A. Erving, Secretary. 



I, ASSETS. 
Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S, Bonds. 6's of 1881, 30,000 00 31,950 00 

State of Conn, untaxable bonds,, 5,000 00 5,800 00 
Municipal Bonds: — 

Hartford City, 45,000 00 48,600 00 

*« Town, 18,000 00 19,440 00 

<• War 1,000 00 1,060 00 

Middletown City, 13,000 00' 13,650 00 

Wallingford Town, 4,000 00 4,000 00 

Bailroad Bonds : — 

Connecticut Western, 2,000 00 500 00 

H. K. & P. C, 10,000 00 11,800 00 



HARTFORD 0OUNT1 MUTUAL I IKK INSt kanvk Co. 

Par * "ii<-. 
a : — 

Hartford National .7,100 <"> 10,650 00 

a •• I 00 00 

; '. •■ > 00 I •'<» 

Char. Oak M 400 00 BOO 00 



■ :\ f 141,000 00 00 155,180 00 

a office of the Company 48 17 

sited in the Hartford National Hank 27,184 01 

Doe from agents for premiuma oollected and in course "f tnu 

mission 7,682 i'i 

Interest due ox aoerned on the investments and assets, ]."><» <<> 



exoepi premium notes $l!M),046 12 

Amount of preminmor deposit not* IS, 400 in number), 
which are liable to fntnn men! of claims, de- 
ducting the amount already assessed or oollected thereon 2,855,. s 87 51 



II. LIABILITIES. 

I. sees adjusted and unpaid, including inl eon, 2,907 50 

I and anadjusted 1,760 00 

listed, 4,2( 

Gross premiums received in cash (.r not.- (182,160 L'l 

aed premiums taken at fifty per cent. Ml 10 

- dne and accrued 1,169 ."4 

All other demands. 500 00 



Gross amount of liabilities ?7f;.<;i7 14 



III. INCOME. 

h received for premiums 42,720 60 

urn premiums 650 25 



'.. premiums 42,0T 

Interest and dividends from all other sources 10,1 ; 

^s cash income % \\ J>8 



aJnount of premium or deposit notes liable tc at, §8C " 

IV. EXPENDITUBE8, 

mount paid during the year f 71 19 

oa or brokerage 



I.! 



All otl nts and l 



Gross cash expenditu :■ 

8 



58 HARW1NT0N MUTUAL FIKE INSURANCE CO* 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 23,050,845 65 

Premium or deposit notes liable to assessment received on out- 
standing risks, , : 2,355,887 54 

Amount of risks -written during the year, 8,608,201 82 

For the term of one year, 121,725 00 

For a term of more than one and not more than three years, 8,486.476 82 

Losses occurring during the year on risks, 27,114 69 



HARWINTON MUTUAL FIRE INSURANCE COMPANY, 

Harwinton, Conn. 

Commenced Business, July, 1856. 

Charles H. Barber, President. Addison Webster, Secretary. 



ASSETS. 
Premium notes, (152,) $8,009 45 

INCOME. . 

Cash received daring the year, 38 00 

Notes received $2,134: 50 

EXPENDITURES. 

Cash expenditures, 10 00 

GENERAL ITEMS. 

Risks outstanding at end of year. $170,625 00 

Written during the year, 47,425 00 



HOMK Ml'Tl'AL KIKK [N8UKAN0K OOMPANT. 

SOME MUTUAL FIRE [NSURANCK COMPANY, 

B 
• IB ines, January, i v I 

•). F OhAMBDUDI S,,'rct<ivy. 



I. ASSETS. 

I hy the Company. 
Par Value. M;irkct Value. 



s : — 






! -line 


600 on 


.-.on 00 


1 




-iff >rd. 


i DO 


1,060 on 
840 00 


1, Meriden 


K .tioual, Hartford, 


1 00 


Uui. 00 


Total, 


$1,900 00 


190 <". 



Loant nil. 

Par Value. doe A int. Loaned. 

Stafford National Bank 1,000 00 1,090 00 1,000 00 

Southern 11 It. II. 1st mtg.. '_'."" » 00 1,800 00 800 00 

Granite Miil 2.00000 2,000 00 1,900 00 

life ft Annuity 6,000 00 4,600 00 L'.ioo 00 



1,990 00 



Total. $11,000 00 I $6,400 00 5,400 00 

mortgage of real estate, 

:it of all other cash loans made by the Company 192 49 

. in the office of the ( 284 17 

- tkmalBenk \:v2 4:'. 

tfl for premiums collected and in 

course of tram 

Due from othe- lid 210 12 

Inte: regoing if. - and asset- 1.1! 

All other property belonging to the Company, 160 00 



rash assets $82,8* 



Amount of premium notes held by t ; 

number; which are liable to future assessment for payment of 






06 



HOME MUTUAL FIRE INSURANCE COMPANY 





17 


77 




700 


00 


$8 


,381 


27 


3< 


,000 


00 



II. LIABILITIES. 

Losses reported, in process of adjustment, 1,700 00 

Gross premiums received in cash or notes,.. 12,150 00 

Deduct r^-insurance 223 00 

Gross premiums on outstanding risks, $11,927 00 

Unearned premiums taken at fifty per cent., 5,963 50 

Due or to become due to other Companies for premiums on re- 
insurance policies or contracts. 

All other demands against the Company... 

Gross amount of liabilities, 

Guaran t ee Capital 

III. INCOME. 

Amount of cash received for premiums, 6,095 91 

Deduct amount paid for return premiums, 770 05 

Net cash received for premiums, 5,325 26 

Amount received for interest on mortgages of real estate, 1,303 00 

Interest and dividends from all other sources, 1,445 00 

Gross cash income, $8,073 26 

Amount of premium notes liable to assessment actually received 

during the year, 29,525 00 

IV. EXPENDITURES. 

Net amount paid during the year for losses, 

Commissions or brokerage, 

Paid or allowed for salaries and fees, 

Paid for taxes, 

Ail other payments and expen ditures, 

Gross expenditures during the year, $7,H4 41 



5,356 


00 


545 


21 


650 


00 


268 


20 


325 


00 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, deducting 

$42,000.00 re-insured in other Companies, , \ 75] 744 00 

Amount of premium or deposit notes liable to assessment received 

on outstanding risks 73 03° 15 

Cash deposits received on outstanding risks, 14 qqq 43 

Amount of risks written during the year, 878 717 00 

For a shorter term than one year, 52 600 00 

For the term of one year, 200 459 00 

For a term of more than one and not inore than three years, 391 352 00 

For a term of more than three years, 174 306 00 

Amount of risks terminated during the year, 225 5?° 00 

Losses occurring during the year on risks of the Company, 7,056 00 






LITCHFIELD MUTUAL KluK INSUKANOK COMPANY 



ijtchfield mutual fire insurance company, 

WllU'IN,,. I 



I. 

Stocks and h 

P.ir I 
ks : — 
I'ii.- 13,500 00 


mpany. 
Market Value. 

] 1,890 75 
2,19 

oo 

1,060 

2,160 00 
1,050 00 




ori 




: r 




1 

i of Bridgeport 

Hebron 

N *rfoIk 10,000 00 

v l Britain, 




Greenwich 1,000 

rd 




l! 


5 75 

f real est 




Promissory note> 

Cash loaned by the Company, secured by mortgage o 
Cash in the office of the (Jompany, 


7,84 
756 89 


Deposit in the F aik. Litchfield, 




I 


In the Li" B 




192 12 


iiiums col' 





1,0; 

1 7 






, 1 57 




rr. LIABILT] 

Loaoon in process of 
Looses re 




ih 

1 






All other demands &j 







HI. INCOME 

- 



62 MADISON MUTUAL FIRE INSURANCE COMPANY. 

Interest on mortgages of real estate, 888 57 

Interest and dividends from all other sources, including premium 

on coin, 2,023 89 

Gross cash income, $8,700 56 



IV. EXPENDITURES. 

Net amount of losses for the year, 4,954 00 

Paid for commissions or brokerage, 438 31 

Paid or allowed for salaries, fees, &c, 1,000 00 

Paid for taxes, 380 91 

Paid for rents, 50 00 

Office, agency and incidental expenses, 112 11 

Gross expenditures during the year, $6,935 36 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 4,115,507 00 

Risks written during the year, 1,473,657 00 

For a term of more than one and not more than three years, 1,473,657 00 

Amount of risks terminated during the year, 1,477.205 00 

Losses during the year on risks of the Company,. 6,904 00 



MADISON MUTUAL FIRE INSURANCE COMPANY, 

Madison, Conn. 

Commenced Business, Oct. 8th, 1855. 

George Dowd, President A. M. Dowd, Secretary. 



I. ASSETS. 

Cash loaned by the Company, secured by mortgage of real estate, 

All other loans made by the Company, 

Cash in the office of the Company, 

Deposited in the Connecticut Savings Bank, 

Deposit in the Townsend Savings Bank, $840.95 ; estimated val. 

Due for premiums in course of collection, 

Interest due and accrued, 

Gross assets, except premium notes, $5,417 21 



2,930 00 


380 00 


186 09 


1,403 16 


240 27 


72 15 


205 54 



MADISON Ml it \ l. PIR1 INS1 i; I UFAN1 . 

Premium i >mpany (being 801 In numl 

which are liable t<> future aaaeasinent t"<»r payment of chums. 

II. LIABHiT] 

preminma on ontei u - 1,288 

urned premium8 taken at fifty per cent 844 27 

ail other d the Oonipanj 

ai amount of liabilities 

III. INCOME. 

I for preminma 

-• on mortg J estate 

it and dividends from all other aouroea 

. 1 during the year 

Amoui.- . mi or deposit notes, liable to assessments, dur- 
ing the year 

IV. EXFENDITUB 

for aalari 



Ail other pa ad expenditures, H 25 

Gr<> during the year- §88 x i 

V. (IKNUtAL ITKMS. 

Amonnt of ling at the end of the year ,705 00 

Premium or deposit notes liable to tit received on out- 
standing ri-ks 

82, l 

7,51 

i term more than one and not mdre than tin-.- 24,6 

Amo 86,4! 



415 


19 




79 


29 


|571 




:;.:.-. i 


50 



64 MIDDLESEX MUTUAL FIRE INSURANCE COMPANY. 



MIDDLESEX MUTUAL ASSURANCE COMPANY, 

MlDDLETOWN, CONN. 

Commenced Business. June 13tb, 1836. 
Wm, R. Galpin, President. H. F. Boaruman. Secretary 



I. 


ASSETS. 




Stocks and Bonds owned by the 


Company. 




Par Value. 


Market Value. 


U. S. Stocks : — 






U. S. coupon, 6's, 1881 


4,000 00 


4,240 00 


" reg. 6's. 1881, 


16,000 00 


17,020 00 


•' reg. 5-20's, new, I860, 


10,000 00 


10,250 00 


18(58, 


10,000 00 


10,662 50 


" 4Vs, reg. Funded Loan, '91, 


10,000 00 


10,312 50 


Municipal Bonds : — 






City of Middletown, (water) 6 p. c. 


300 00 


300 00 


" Portsmouth, Ohio, 7's,.... 


5,000 00 


5,000 00 


Town of Middletown Conn. 6's,.. 


20,000 00 


21,200 00 


7's,.. 


18,600 00 


20,460 00 


" Middlefield, Ct. 6's 


17,500 00 


18,375 00 


" Portland, Ct. 6's, 


8,000 00 


8,480 00 


" " 7's, 


7,000 00 
4,000 00 
5,000 00 


7,700 00 


' ; Chatham, Ct. 7's, 


4,400 00 
5.150 00 


" Hebron, Ct. 6's, 


Railroad Bonds :— 




Norwich & Worcester, 6's, 


5.000 00 


5.200 00 


Railroad Stocks : — 






New York Central & Hud. River,. 


5.000 00 


5.300 00 


Chicago, R I. & Pacific, 


5,000 00 


5,000 00 


New York, New Haven & Hart.... 


5,000 00 


7,650 00 


Bank Stocks : — 






1st National Bank of Middletown, 


15,000 00 


15,000 00 


Middletown National, 


9,375 00 


12.500 00 


Central National, Middletown, 


2,250 00 


3,060 00 


Middlesex Co., Middletown, 


7,500 00 


7,500 00 


American Exchange, N. Y., 


5,500 00 


5.775 00 


National Park, N. Y., *.... . 


1,000 00 


1,000 00 


Miscellaneous : — 






Peoples Fire Ins. Co., Middletown 


3,500 00 


3,500 00 


Total, 


$199,525 00 


$215,035 00 






$215,035 0C 



Mll»l)I.i:si:\ MUTUAL ViKi: IN8UKANCK COMPANY. 

■ ■<il. 
Vm- Value. Market Value. ami Lot 
•_>d mort bd Mil. A St Paul It. H. 600 00 610 001 ( (|()() ()() 
14 Alton* Ter. Haute R.B 1,000 00 1,060 00J 

Total, $1,600 00 $1,660 00 $1,000 0(1 1,000 00 

ad by the Company, unencumbered 41.000 00 

loaned by the Company, secured by mortgage of real estate, 10,000 00 

ft, M 

In the MiiMletown Savings Bank 4.0!>!» :m 

Iu the Fanners ami Mechanics Saving- Bank 1,001 ';■; 

Net amount duo the Company from agents for premiums collected 

and in course of transmission 69 17 

Premiums unpaid aud in course of collect ion, I 27 4<; 

Interest due and accrued on foregoing investments and assets,... 1,23(J 00 

Gross cash assets ._' :.o 

Amount of premium liens held by the Company (being 16,190 in 
number; which are liable to future -nt for payment of 
claims .;.-, n 

II. LIABILITIES. 

Losses resisted, 10,216 98 

-- premiums received in cash or notes 230,403 62 

Deduct re-insurance, 9fi 00 

Gross premiums on outstanding risks, $230,307 62 

Unearned premiums taken at tifty per cent., 116,163 81 

Taxes due and accrued, 1,408 12 

Gross amount of liabilities $126,77ti 



III INCOME. 

Amount of oaah received for premiums 61,723 24 

Deduct amount pail for return premiums 3,993 23 

cash received for premiums 47.7. 

Amount received for J es of ^real I 1,819 66 

Fori:.- » from all other 13,709 76 

Cash luring the year for rei 166 84 

>h income $66,424 

liable to. t actually received 
diving th<- year 



I\. EXPENDITUBES 

Net ai • •'- 

W f,j 



66 NEW LONDON COUNTY MUTUAL FIRE INSURANCE CO. 

Paid or allowed for salaries, fees, &c, 5.449 97 

Paid for taxes, : 2,000 33 

All other payments and expenses, 3,166 52 



Gross expenditures during the year, $50,586 78 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, deducting 

$12,000 re-insured in other companies, 29,307,094 46 

Amount of premium liens liable to assessments received on out- 
standing risks , 3,112,835 00 

Amount of cash deposits received on outstanding risks, 230, 403 62 

Amount of risks written during the year, 4,363,448 33 

For a shorter term than one year, 52,950 00 

For the term of one year, 134,700 00 

For a term of more than one and not more than three years 2,040,621 16 

For a term of more than three years, 2,135,177 17 

Amount of risks terminated during the year, 4.555,597 16 

Losses occurring during the year on risks of the Company, 26,586 59 



NEW LONDON COUNTY MUTUAL FIRE INSURANCE 
COMPANY, 

Norwich, Conn. 

Commenced Business, July, 1840. 

Ebenezer F. Parker, President. C. J. Fillmore, Secretary. 



I. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Bank Stocks : — 

Hanover National, New York, 5,000 00 5,100 00 

American Ex. National, " 4,000 00 4,200 00 

National Park, " 4,000 00 4,200 00 

Merchants Ex. National, " 2,400 00 2,400 00 

Nat. Bank of Commerce, " 1,000 00 1,200 00 

Corn Exchange, " 2,000 00 2,400 00 

Nassau. " 2,000 00 2,000 00 



NEW LONDON OOUNTY MUTUAL HRB INSURANCE CO. 67 

! Willi.-. M.llkrt \ tint. 

Continental National, New York, 1,600 1,050 00 

- Nicholas National. •• 1,000 (ill 1,000 ni» 

Bank of Amerioa, " 1,000 00 1,820 00 

M etropolitan National, * m u ■ 00 1,072 00 

Diy Goods (in liquidation), M 600 00 »; 

National Bank State of New York, 400 00 180 <><> 

fcoeket, National, Norwich, (X, 4,000 00 4,400 <><> 

M. rohanta " u 400 fo 880 00 
o aoua : — 

Norwich OttyQas stock, 9,560 00 10,982 5<> 

Gt. Weal (marine) Ins. Co., N.V. 1,200 00 1,200 00 



Total $40,860 00 $43,984 50 48,984 50 

Deposited in the Shetucket National Bank, 1,896 74 

In the Chelsea Savings Bank, 6,886 31 

In the Norwich Savings Society, 7,691 87 

.mount due from agents for premiums collected and in 

course of transmission :;.">l 71 



jount paid during the year for losses, 

Commissions or brokerage, 

Paid or alio lariat and fees 

Paid for taxes 

All other payments and expenditures, 



Gross expenditures during tlx- 



Gross cash assets $.*i8,764 13 



II. LIABILITIES. 

■ premiums on outstanding risks, $8,871 88 

Unearned premiums taken at hf ty per cent., 4,18 

Gross amount of liabilities, $4,186 69 



III. INCOME. 

Amount of cash received for premiums, 3,617 '.<:; 

Deduc: amount paid for return premiums, 14s .")."> 

cash received for premiums, :'», I 

Interest and dividends from all other sources, ' :',. 17<» 21 



-s cash income, $6,969 69 



IV. EXPENDITURES. 



B,454 81 


640 98 




468 01 







v. GENERAL 1 1 EMS 

• c and of I 

Cash deposits receiv l 88 



68 NORWICH MUTUAL FIRE INSURANCE COMPANY. 

Amount of risks writ ten during the year, 642,856 00 

For a shorter term than one year, 14,840 00 

For the term of one year, 256,000 00 

For a term of more than one and not more than three years, 246,632 00 

For a term of more than three years, 125,384 00 

Amount of risks terminated during the year, 536,478 00 

Losses occurring during the year on risks of the Company, 5,254 31 



NORWICH MUTUAL ASSURANCE COMPANY, 

Noiiwtch, Conn. 
Commenced Business. 1794. 
Asa Backus, Secretary. 



I. ASSETS. 
Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. 4f s, Gov. bonds, 1,200 00 1,236 00 

Bank Stocks : — 

Norwich National, 5,700 00 5,700 00 

Merchants National, 1,120 00 1,036 00 

First National, 300 00 210 00 

Tolland County... 300 00 300 00 

Total, $8,620 00 $8,482 00 8,482 00 

Amount of all other cash loans made by the Company 480 00 

Deposited in Merchants National bank, 

Deposited in the Norwich Savings, 



794 06 
500 00 



Deposited in the Chelsea Savings, 1,000 00 

G-ross amount of assets, ?..., $11,256 06 

II. LIABILITIES. 

Gross premiums on outstanding risks, $550 47 

Unearned premiums taken at fifty per cent., 275 24 

Amount of taxes due and accrued, 



90 18 



All other demands against the Company, 206 30 

Gross amount of liabilities, $571 72 



FVILLK MUTUAL FIRK IN8UKANCK COMPANY. 

III. INCOME. 

17 

Interest and diYidenda from all other soareea 7 1 s »;i 

Gross amount of income ... .269 08 



iv. expenditubes. 

Paid or allowed for salaries, fees, &o 200 <><> 

90 is 

All other payments and expend.- 

io egpenditnree during the year $296 i B 



V. OENERAL items 

ant of risks outstanding at the end of the year, 215,034 ")" 

Amount of risks written during the year 215,084 60 



ROCKVTLLE MUTUAL FIRE ENSURANCE COMPANY, 

Rockyille, Conn 
Commenced Bnsfa* aber 7th. 1 - 

GeOI; I La m,;.: B Ei^sell, Secretary. 



I. ASSETS. 

iit of ell oeeh loans by the Company 2,000 no 

Deposited in the First National Bank <<f Rookrille, 

monnt dm- the Company from agents for premiums e Mlect- 

ed and in course of transmission 

Gro 

Amount of premium or deposit notes held by the Oompsny,! i"-iug 
185 in number,] siiieh are liable to future ■ssossmwnt for j 

mt! 1 ' " 1 - 





70 ROCKV1LLE MUTUAL FIRE INSURANCE COMPANY. 

II. LIABILITIES. 

Gross premiums on outstanding risks, : $987 54 

Unearned premiums taken at fifty per cent., 493 77 

Gross amount of liabilities, $493 77 

III. INCOME. 

Net cash received for premiums, 283 91 

Interest and dividends from all other sources, 183 06 

Gross amount of income, $466 97 

Amount of premium or deposit notes liable to assessment actually 
received during the year, 1,495 25 

IV. EXPENDITURES. 

Paid for commissions or brokerage, 37 78 

Paid for taxes, 12 77 

All other payments and expenditures, 23 50 

Gross cash expenditures during the year, $74 05 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 152,475 00 

Amount of premium or deposit notes liable to assessment re- 
ceived on outstanding risks, 4,347 29 

Risks written during the year, 45,4.00 00 

For a shorter term than one year, 5,000 00 

For the term of one year, 5,200 00 

For a term of more than one and not more than three years, 30,750 00 

For a term of more than three years,.. 4,450 00 

Risks terminated during the year, 32,550 00 



MUTUAL KIKK IN8UKANCK COMPANY. 



STATE MUTUAL FIRE INSURANCE COMPANY, 

BaBTVOBD, Conn. 

Commenoed Buamees, October, L867. 

K.u.rn Cfii.i.r.i r. President :oss. -h;.. Secretary, 



I. ASSETS. 
/ ll'it'i* owned by tin Compa 

Par Value. Market Value. 
Municipal Bomds : — 

Hartford Oitj 1,000 00 1,060 00 

•• 1,000 00 1,060 00 

•• 1,00 ' 00 1,060 I 

•• Water, 1,000 00 1,060 00 

Kaii.I. « : — 

tford, Pnmden.ee A FMikill. . 1,000 00 1,08 

1,000 00 1,080 00 

l.oiKi 00 1,080 00 

Indiana Central 1,000 00 l.ooo 00 

l.ooo 00 l,"oo 00 

Connection Western 1,000 00 260 00 

Railroad Stock- : — 

Y..:k. N. H. A Hartford 1,001 1,540 00 

Ban Stocks : — 

Mercantile National, 

Nat ional Exchange. 



Bona] 

- : — 

I ras Co. 



1,000 00 


1,140 00 


00 


818 00 


600 00 




54 N 1 


880 00 


200 00 


LMo 00 


760 00 


1,440 00 






>l 1,660 00 


,286 00 



$14,650 00 00 !•:.: 



>al. 
640 

on 



Total - ,100 00 $1,2* 06 
Cash loaned by 
Amount of all oth<-r made by ttai Oompaii j 1,0 



70 ROCKV1LLE MUTUAL FIRE INSURANCE COMPANY. 

II. LIABILITIES. 

Gross premiums on outstanding risks, ; $387 54 

Unearned premiums taken at fifty per cent.,. 493 77 

Gross amount of liabilities $493 77 

III. INCOME. 

Net cash received for premiums, 283 91 

Interest and dividends from all other sources, 183 06 

Gross amount of income, $466 97 

Amount of premium or deposit notes liable to assessment actually 
received during the year, 1,495 25 

IV. EXPENDITURES. 

Paid for commissions or brokerage, 37 78 

Paid for taxes, 12 77 

All other payments and expenditures, 23 50 

Gross cash expenditures during the year, $74 05 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 152,475 00 

Amount of premium or deposit notes liable to assessment re- 
ceived on outstanding risks, 4,347 29 

Risks written during the year, 45,400 00 

For a shorter term than one year, 5,000 00 

For the term of one year, 5,200 00 

For a term of more than one and not more than three years, 30,750 00 

For a term of more than three years,.. 4,450 00 

Risks terminated during the year 32,550 00 



MriTAl, KIKK [NSUKANCK COMPANY. 



STATE MUTUAL FERE INSURANCE COMPANY, 

Hat. rio:;i\ Conn. 

Commented Business, October, 1867. 

Kxi.ru (in. i lent [bsa< 0ro68, Jb., Secretary, 



I. ASSJ 
\d Bond* owned by tin Company, 

i\tr Value. Market Value. 

Municipal Bonds : — 

Hartford City. 1,000 0!) 1,060 00 

•• 1,0110 Oil 1,060 00 

'• 1,00 ' no |,0fi0 (' ' 

•• Water 1,000 00 ! I 00 

Railroad Bonds : — 

ford. Proyidenoe a 1 i-hkill. . 1,000 on 1,080 00 

1,000 no 1,080 oo 

l,ooo oo 1,080 oo 

Indiana Central 1,000 on 1.000 oo 

1,000 oo l,noo 00 

Connecticut Western, 1,000 on 260 00 

Railboad Stocks : — 

York. N. H. A Hartford 1,000 00 1,640 00 

Bank Stocks : — 

Mercantile National, 1,000 on ijin on 

mge, on 819 o<» 

600 oo I "o 

600 I oo 

:.a National 200 00 240 oo 

- : — 

I oo 1,440 oo 

•• 

• .1. $\ 1,660 5 on 

>al. 

i 640 

BOO 00 

Total 1 1,100 00 - 06 

Cash loaned by 

Amount of all oth»-r OSSfl lo BM made by Uh 






1 



72 



STATE MUTUAL FIKE INSUKANCE COMPANY. 



Cask in the office of the Company, -. 421 07 

Deposited in the National Exchange Bank, .'. 2,606 84 

Due from agents for premiums collected and in course of trans- 
mission, 936 26 

Premiums unpaid in course of collection, 707 11 

Interest due and accrued on foregoing investments and assets,... 119 00 

All other property belonging to the Company, 316 54 

Gross assets, except premium liens, $24,002 87 

Amount of premium liens held by the Company which are liable 
to future assessment for payment of claims, deducting the 

amount already assessed or collected thereoD,.., 58.542 3q 

II. LIABILITIES. 

Gross premiums on outstanding risks, 23,787 17 

Unearned premiums taken at fifty per cent., 11,893 58 

Amount of taxes due and accrued, 180 02 

Gross amount of liabilities, ... $12,073 60 

III. INCOME. 

Amount of cash received for premiums. 12,092 57 

Deduct amount paid for return premiums, 613 72 

Net cash received for premiums, 11,478 85 

Interest and dividends from all other sources, 1,317 63 

Extra cash premium, 86 85 

Gross cash income, $12,883 33 

Amount of premium liens liable to assessment actually received 

during the year 24,185 14 

IV. EXPENDITURES. 

Net amount of losses for the year, 3,562 91 

Commissions or brokerage, 1,050 74 

Paid or allowed for salaries and fees, 2,788 00 

Paid for taxes, 161 63 

Cash premiums returned during the year, 1,203 87 

All other payments and expenditures, 803 90 

Gross expenditures during the year, $9,571 05 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 3,677,257 00 

Amount of premium liens liable to assessment received on out- 
standing risks, 58,542 30 

Amount of risks written during the year, 1,755,338 00 

Amount of risks terminated during the year, 1,735,612 00 

Losses occurring during the year on risks of the Company, 3,562 91 

Premiums received during the year on risks in Connecticut, 12,092 57 



, 



TOLLAND COUNTY MUTUAL KiKK INSURANCE CO. 



TOLLAND COUNTY MUTUAL FIRE INSURANCE 
COMPANY, 

TO! 

oed Baeineee, I 
lent. 



I. ASSETS. 

Value. .Market Valm 

- tional LI 10,000 0(1 

krille National 00 

::..... 10,000 11,200 00 

oal 7,61 -'• 00 



- - r.: 

: lumbered, 700 <>o 

• l by mortgage "f real eal 46,100 <»<» 

by the Company .".."ti <;s 

kUonal Bank , 4 , 1 : i ' » 7t 

Intere-t din- and aooroed on foregoing investments and assets,... 

Gross a: "»'.' 1<! 

1 by the Oompany,(being 

_' in Dumber, i which are liable to fature Maeasmenl f"r pay- 

me: tie amount already eoooaaod <»r ool- 

859,868 12 



II. LIABILTl 

I 

. rtii'l in process of a . 

7fi 

ned preni! j \/.< 







Ill INCOME. 

nt of cash rec»-; ... fg t \ \ ; 





74 TOLLAND COUNTY MUTUAL FIRE INSURANCE CO. 

Intent on mortgages of real estate, 3,495 09 

For interest a nd d i vidends from all other sources, 2, 523 52 

Gross cash income, $32,957 06 

Amount of premium or deposit notes liable to assessment actually 

received during the year, , 112,770 60 

IV. EXPENDITURES 

Net amount of losses for the year, 31,358 03 

Paid for commissions and brokerage, 4,109 30 

Paid or allowed for salaries, fees, &c, 2,693 50 

Paid for taxes, 758 96 

All other payments and expenses, 1,099 65 

Gross expenditures during the year, $40,019 44 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 10,270,941 00 

Amount of premium notes liable to assessments received on out- 
standing risks, 359,363 12 

Amount of risks written during the year, 3,135,972 00 

For a shorter term than one year, 51,213 00 

For the term of one year, 631,717 00 

For a term of more than one and not more than three years 1,211,071 00 

For a term of more than three years, 1,241,971 00 

Amount of risks terminated during the year, 3,256.808 00 

Losses occurring during the year on risks of the Company, 37,320 03 



WINDHAM COUNTY MITUAL FIJiK INSURANCE CO. 



WINDHAM COUNTY MUTUAL FIRE INSURANCE 
COMPANY, 

Brooklyn, Conn. 

Commenced Business, 1826. 

A. H. Btorbs, President. John Palmih. Secretary* 



I. ASSETS. 
Stocks and Bonds owned by the Company. 

V. S. Stocks : — 

U. S. Gov. bonds, 5-20's, '67, reg. 
" " 1865, coupon,. 

Railroad Bonds : — 

Union Pacific. 1st mort. coup 

Chicago & Northwestern, con., . . . 

Norwich & Worcester, 1st mortg., 
Bank Stocks : — 

Windham County National, 3,700 00 4,107 00 

Miscellaneous : — 

Hartford City Water bonds, 4,000 00 4, 1 60 00 

Hoyt Sprague & Co., 2,124 57 450 00 



*nr Value. 


Market Value. 


7,000 00 


7,350 00 


2,000 00 


2,040 00 


2,000 00 


2,060 00 


6,000 00 


6,120 00 


0,000 00 


10,000 00 



Total $36,824 57 $36,287 00 $36,287 00 

Cash in the office of the Company, 61 

Deposited in the Windham County National Bank,..' 4,428 40 

In the Chelsea Savings Bank 1,015 00 

In the Brooklyn Savings Bank, ' 1,015 ~00 

Net amount due the Company from agents for premiums collect- 
ed and in course of transmission, 1,942 16 






Gross assets, except premium notes, $44,688 17 

Amount of premium notes held by the Company which are liable 
to future assessment for payment of claims, deducting the 
amount already^assessed or collected thereon, 2G6, 805 00 



II. LIABILITIES. 

Gross premiums on outstanding riskn, 58,861 00 

Unearned premiums taken at fifty per cent 28,680 B0 

fiross amount of liabilities 926,681 



76 WINDHAM COUNTY MUTUAL FIRE INSURANCE CO. 

Ill/ INCOME. 

Amount of cash received for premiums, 13,833 76 

Deduct amount paid for return premiums, 1,118 76 

Net cash received for premiums, 12,715 00 

Interest and dividends from all other sources, 2,614 54 

Gross cash income, $15,329 54 

Amount of premium notes liable to assessment actually received 
during the year 65,410 (So 



IV. EXPENDITURES. 

Net amount of losses for the year, 15,533 65 

Commissions or brokerage, 1,885 03 

Paid or allowed for salaries and fees, 1,612 CO 

Paid for interest on borrowed money, &c, 836 6(y 

Paid for taxes, 370 25 

Paid during the year for rents, 100 00 

All other payments and expenditures, 481 11 

Gross expenditures during the year, $20,818 70 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 6,666,569 00 

Amount of premium notes, liable to assessment received on out- 
standing risks, 266,805 35 

Amount of risks written during the year, 1,644,118 00 

For the term of one year, ,: 106,225 00 

For a term of more than one and not more than three years, 421 ,009 00 

For a term of more than three years,... 1,116,884 00 

Amount of risks terminated during the year, 1,462,499 00 



FIRE AND FIRE AND MARINE 
INSURANCE CO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNA! STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
DAY OF DECEMBER, l -77. 



COMPANIES OF OTHER STATES. 



AGRICULTURAL INSURANCE COMPANY, 

Watdoowh, N. Y. 

Commenced Business, February, 18f>8. 
•K.>. A. Shebman, President Isaac MuHarar, Serctary. 

Attorney Went, Glo. W. H.nnover, Willimantic. 



I. CAPITAL. 
Capital actually paid op in ca&h, $1200,000 00 

ii. assi;t-v 

y the Company unencumbered : — 107,181 90 

Loans on bond and mortgage, Hirst liana,) not more than one 

yea; kdlM 587.17268 

Loans on i mortgage, tirst liens), mote khan ana year'a 

int- mof foreefaeare,. 'ji.tti 7t 

-.'1 mortgage loans r.». ■ 

:" mortgage I 

Murk.-t \ 
-cess : — 

- 



Da : — 

■ 



> 00 


]<>.:.' 


1 














(J 



80 AGRICULTURAL FIRE INSURANCE COMPANY 

Par Value. Market Value. 
Bailkoad Bonds : — 

Council Bluff & St. Jo., 5,000 00 5,000 00 

Framingham & Lowell, 2,000 00 2,000 00 

Borne, Water. & Ogdensburg, 100 00 100 00 

Utica, C. & B., 2,000 00 2,000 00 

Bank Stocks : — 

National Union, 2,000 00 2,200 00 

MiSCEI/L VNEOUS : — 

Davis Sewing Machine Co.,.. 11,500 00 11,500 00 

Total, $102,800 00 $101,175 00 



101,175 00 



Loans on Collateral. 



Davis S. M. Co., 

Bond and Mortgage, .... 
Watertown Fire Ins. Co. 

Northern Ins. Co., 

National Union Bank, ... 

Merchants Bank, 

Tennessee State, 

United States 5-20's, 

Union Pacific B. B., 

Watertown Fire Ins. Co. 

Northern Ins. Co. , 

Bond and Mortgage, 

United States 5-20's, 

Ulster County, 

City of 



Par Value. 

11,000 00 
5,250 00 

39,500 00 
4,500 00 
1,100 00 

23,300 00 

10,000 00 

500 00 

1.000 00 

4,000 00 

1,000 00 

1,000 00 

700 00 

500 00 

1,000 00 



Market Value. 
11,000 00 
5,250 00 
09,125 00 
4,500 00 
1,210 00 
23,300 00 
4,000 00 \ 
545 00 - 
1,045 00 ) 
7,000 00 ^ 
1,000 oo) 
1,000 00 >_ 
763 00 ) 
500 00^ 
1,000 00) 



Amt. Loaned. 

10,000 00 
3,538 03 

35,444 23 
2,220 00 
1.000 00 

17,000 00 

3,900 00 

4,700 00 
1,500 00 
1,350 00 



Total,, 



.$104,350 00 $131,238 00 $80,652 26 



Cash in office and banks, 

Interest due and accrued on bonds, 

Interest due and accrued on collateral loans, 
Net premiums in due course of collection,.... 

Bills receivable, , 

Bents due and accrued 



80,652 26 

139,355 24 

2,430 83 

4.610 22 

83,870 60 

11,233 19 

650 00 



Assets of the Company at their actual value, $1,113,070 56 



III. LIABILITIES. 

Losses adjusted and unpaid, 12,376 00 

Losses reported and unadjusted, 21.141 58 

Losses resisted, 10,810 38 



Total. 



44,327 96 



AGRICULTURAL FIRE LN8UKANCK COMPANY. 

lama on nre rill 82, 156 70 

premiums on riaks more than one year 62 

tount of nn earned premiuma aa eompnti I < ; ~- * ^ . -' 1 7" i : :'. 

, -il 

J liabilitii 701, ■ 

200,1 

Surplus beyond capital 

al liabilities including capital and surplus 91*11 



IV. INCOME THE k*EAB. 

Premiums received in rasa 612,825 ."'.i 

Deduct re-insurance, rebate, abatements and return 
preminma, 36,550 27 

Actual cash preminma, 176,771! 12 

Prom interest on bonds and mortgages, and dividends on st 

50,874 98 

From 5,205 00 

: 55 lo 



V. EXPENDITURES DURING THE YKAIi. 

including $85 tnrring in pre- 

rioc 281,162 69 

- •. r.». i 

93,405 4'.) 

i fees 65,580 8a 

6,044 '<» 

Ail other i 

Actual cash expenditures $519,227 86 



VI. liXSOELLANEOI 

Pnmhuna 

in force b ir to 

run from date of policy I 64,1 

h in one and n< 

162,848,714 00 1,162,420 '.»<i 

■ 




116 00 l. 

D Of tli- < 

Loss- 

■ 

Hi'.: 
Loaned to officers and <h 
Loat. 

k dividends declared 10 00 

u 



82 ALLIANCE FIRE INSURANCE COMPANY. 

Business in Connecticut in 1877. 

Fire lisks taken, (no inland), ; 4,053,257 00 

Premiums received on same, 25,789 42 

Losses paid, 17,390 41 



ALLIANCE INSURANCE COMPANY, 

Boston, Mass. 

Commenced Business, July 1st, 1875. 

George H. Long, President. Charles R. Howard, Secretary. 

Attorney in Connecticut. C. W. Preston, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $200,000 00 



II. ASSETS. 
Real estate owned by the Company (less $15,000 incumbrances). 70.800 00 

Loans on bond and mortgage (first liens) not more than one 

year's interest due, 27,200 00 

Interest due and accrued on bond and mortgage loans, 793 45 

Total value of mortgaged premises 31,700 



Stocks and Bunds owned by the Company. 

Par Value, Market Value. 
U. S. Stocks : — 

United States 5's, 1881, 15,000 00 15,806 25 

Municipal Bonds : — 

City of Lawrence 0's, 1900, 5,000 00 5,525 00 

" Newton 6's, 1905 5,000 00 5,600 00 

" Cambridge 6's, 1895, 5,000 00 5,525 00 

" Charlestown 6's, 1889,.... 5,000 00 5,450 00 

" Toledo 7's, 1878, 10,000 00 10,000 00 

" Cleveland 7's, 1878, 10,000 00 10,050 00 

Railroad Bonds : — 

Boston & Albany 6's, 1895, 5,000 00 5,325 00 



ALLIANCE PIRK IN8URANCK COMPANY. 83 

Par Value Market ?a]na 
Bank Stvks:- 

Kerchandise National 10,000 00 10,026 00 

Boward " 6,000 00 6,612 BO 

Continental " 20,000 00 20,025 00 

Revere " 7,700 00 8,878 :;» 

Bbekstone M 8,600 00 8,816 00 

Webstar " 2,400 00 1,427 00 

No. American " 2,900 00 8*182 75 

National Bank of Oommeroe 8,800 00 8,498 00 



Total $114,900 00 $120,241 25 120,241 25 

- im on Collateral. 
Par Value. Market Value. Amt. Loaned. 

U. S. 5-208, 1886, reg., 10,000 00 10,260 00 10,000 00 

Highland Street R. B 18,600 00 19,563 75 18,000 00 

i, 1865 6,600 00 67768 00 5.817 00 

" 1S87 5,000 00 5/250 00 5,000 00 

City of Cincinnati, 1902 6,000 00 5.000 00 5,000 00 

11 ward Not. Bank. Boston,. 4,000 00 4,000 00) 

Nat. Central •• " 5, 000 00 5,000 00' 

Nat Exchange, " Salem... 1,200 00 1,416 00] 

Land In. bd. A..T. A B. R.R. 100 00 100 00) 

Phila., Balto. ft WiL B. R... 1,000 00 1,225 00 1,000 00 

Notes and deeds real estate. 8.000 00 7.000 00 



5,5(10 00 
1.500 00 



T.-tal $56,400 00 $66,569 75 $58,817 00 58,817 00 

Cash in Company's principal office 1,821 91 

Cash deposited in banks 21,983 21 

Interest due and accrued on stocks, 1,133 33 

Interest due and accrued on collateral loans, 1,008 82 

Gross premiums in due course of collection 17,931 8G 

Rents due and accrued, 520 97 

Amount of premiums unpaid on policies which have 

:ed more than three months, $2,291 86 

Assets of the Company at their actual value $321,740 80 



III. LIABILITIES. 

* adjusted and unpaid c,j;r,u 15 

Losses reported ;ind unadjusted 8,500 00 

629 00 



amount of unpaid losses 15,788 16 

. premiums on Are risks, one yes* or ].-ss.... 58,772 ;»i 
Unearned premiums < ii ri-ks more, than one year, ... 21,749 .".I 



Unearned premiums as co m p u ted abore 

Duo and aoorued t or salaries, rent, fte 

All other demands ,ig;ti ust the Company, ' '< 81 

Total liabilitieH except r-,t])it.il stoek . ,088 71 



84 ALLIANCE FJRK INSURANCE COMPANY. 

Capital stock, • 200,000 00 

Surplus beyond capital. 26,713 09 



Total liabilities, including capital and surplus, $321,746 80 

IV. INCOME DURING THE YE\R. 

Premiums received in cash, 142,077 25 

Deduct re-insurance, rebate, abatements and return 

premiums , 24,340 00 



Actual cash premiums, 117,728 25 

From interest on bonds and mortgages, 4,887 46 

From interest on loans and dividends on stocks and bends, 2,318 16 

From all other sources, 2.7. r >0 95 

Received for calls on capital, $70,000 00 

Actual cash income, $127,6v)0 82 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses (including $1.5.168.73 occur- 
ring in previous yeai's), 70,928 89 

Deduct re-insurance and salvage 2,416 37 

Net amount paid for losses 68,512 52 

Commissions or brokerage , 23,299 18 

Salaries and fees, 8,859 72 

Taxes, 3,904 41 

All other payments and expenses, 18,281 07 



Actual cash expenditures, $122,856 90 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run from date of policy, 8,175.786 45 107,545 82 

Having more than one and not more than three 

years to run from date of policy 1,515,939 00 20,472 07 

Having more than three years to run from date 

of policy, 1,241,084 58 28,998 45 

10,932,809 03 147,016 34 

Premiums received since the oi-ganization of the Company 415,827 79 

Losses paid since the Company organized, 141,750 83 

Stock owned by directors at date, 103,200 00 

Loaned to stockholders not officers, 10,000 00 

Loaned to officers and directors. 25,317 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 93,650 00 

Premiums received on same 1,346 05 

Losses paid 2,732 95 



WIKKU'AN KICK INSURANCE I'inirwV. 



AMERICAN FIKE [NSURANCE COMPANY, 

1 * n 1 1 . \ i > i . i ruiA, i'knn. 

mmenoed Business, March 12th, 1810. 
IIabis, Pretident. Aiskbt O. L. Cbawtobd, Secretary, 

Attorney in Connecticut, J. X. Cbandaix, Norwich. 



I. CAPITAL. 
Capital actually paid up In cash, $400,000 00 

IT. ASSETS. 

Real estate owned by the Company unencumbered 160,100 00 

Loans on bond and mortgage, (first liens , not more than one 

• due 419,689 50 

L tana on bond and mortgage, (first liens) more than one year's 

interest due 2,800 no 

Interest due and accrued on bond and mortgage loans, 9,145 B0 

Value of the land mortgaged, $348,975 

Bnildingfl i insured for $845,600), 664,675 

$1,018, Hi 

tjfcj and Bonds owned by the Company. 

Par Value. Market Valne 

r. s. urn Br >. B : — 

581,... 100,(1 I I 105,250 00 

: 108,51 

24,000 <»> I 00 

...... 1,600 00 1,120 00 

80,000 00 .".".«;■ i 

m : — 

10,000 " :| 00 



•t.. 8 per c... i 1,000 00 1ft, 190 00 

: " 1,440 00 

80,000 On 2I,7( I 

•• 
la,, .Wilmington A Baltimore,. 10,0 00 
D.AR.C. A C. & A l: i 00 



86 



AMERICAN KIRK INSURANCE C3IRANV. 



Penn. R. R. 6's, navy yd. purch., 

Philadelphia & Reading, coupons, 
Railroad Stocks : — 

North Pennsylvania, 

Pennsylvania, 

Miscellaneous : — 

Schuylkill Nav. Co., 1st mort. bds. 

Chesa. & Delaware Canal, mort;,. 

Lehigh Coal & Nav. Co., 188-1, . 
11 loan, 1897, 

Susquehanna Canal Co., mort.,... 

Delaware Division Canal Co. , 

Schulkill Nav. Co., mort. loan, '82 

Am. Steamship Go's loan, guar., . 



Par Value. 

10,000 00 

2.100 00 

5,000 00 
5,000 00 

12,000 00 
10,000 00 
20,000 00 
20,000 00 

7,000 00 
15,000 00 

1,225 00 
15,000 00 



Market Value. 

10,000 00 

1.407 00 

3,700 00 
3,300 00 

10,800 00 
7,600 00 

20,000 00 

20,400 00 
2,100 00 

15,000 00 
784 00 

11,175 00 



Total, $505,925 00 $486,800 00 480,806 00 



Lehigh Coal & Nav. Co., 

U. S. 5-20's, 1867, 

Lehigh Val. R. R. 7's, 

Nesquehoning Val. R. R...... 

State of Missouri bond, 

U. S. Fertiliz. & Chem. Co., 

Lehigh Val. R. R., 

Mortgage additional, 

Cambria Iron Co., 

Penn. Salt Mfg. Co., 

Charlest'n,S.C.,M.& Mfg Co. 

Pennsylvania R. R. Co., 

Lehigh Coal & Nav. Co., 

Phila. & Read. R. R. conver. 
Charleston, S. C., M.& Mfg Co. 



Lehigh Val. R. R. 
Total 



Loans on 

Par Value. 

2,000 00 

* 1.000 00 

3,000 00 

1,250 00 

1,000 00 

2.250 00 

9,800 00 

2,000 00 

12,500 00 

25,000 00 

7.000 00 

5,000 00 

12,500 00 

10,000 00 

2,000 00 

3,600 00 

10,000 00 



Collateral. 
Market Value. 
1,740 00 
1,083 75 



3,360 00 



1,162 50 > 
1,000 oo) 
1,800 00 
7,840 00) 
2,000 00J 
12,500 00) 
32,500 00) 
8,800 00 
3,330 00 
4,625 00) 
5,600 00* 
2,200 00) 
2,880 00> 
8.000 00 



109,900 00 $100,391 25 



Amr. Loaned. 
1,678 98 
1,050 00 

4,000 00 

1,350 00 
7,000 00 

32,000 00 

7,000 00 
1,000 00 

5,000 00 

3,000 00 

6,000 00 

569,078 98 



Ground rents well secured, 

Cash in Company's principal office, 

Cash deposited in banks, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 
Net premiums in dtie course of collection,.... 
Rents due and accrued 



69,078 98 

41,040 83 

929 56 

84,152 56 

5,165 25 

1,678 49 

18,597 77 

376 77 



Assets of the Company at their actual value, $1,289,511 51 






AMERICAN F1KK LNSUKANCK COMPANY. 

III. LIABILITIES. 

s adjusted and unpaid 6,898 4:; 

>rted and unadjusted 7,687 57 

a resisted 5,600 <><) 



Net amount of unpaid losses I9,0fl 

Unearned premiums on fin risks, one year or less,... $153, 866 72 
premiums on risks mors than one year lm,7<> - 2 00 



Amount of unearned premiums as eompnted sdots 175,128 ~'± 

Amount reelaimable <>n perpetnal lire insurance policies) 272,376 70 

dividends to stockholders remaining unpaid? 

Dae and aoerned for salaries, rent, Arc, 450 00 

All other d( gainst the Company,... 1,386 It 

Total liabilities except capital stock, 4<;;>.277 56 

Capital stock 400,000 00 

Surplus beyond capital 420,233 95 

Total liabilities including capital and surplus $1,289,511 51 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 369,826 90 

Deduct re-in-urauce. rebate, abatements and return 

premiums 36,158 9!> 



Actual cash premiums 338,667 91 

From interest on bonds and mortgages, 24,437 08 

From interest on loans and dividends on stocks and bonds, 32.289 38 

From all other sources, 4.174 01 

Dep. prms. [less 5 p. 0, | reed, on perpetual fire risks,... $2, 762 28 

Actual cash income, $3!)4,868 33 



V. EXPENDITURES DURING tin: YE\K. 

Amount paid foi including $22,498 96 occurring in pre- 

vi«» . - 202,056 25 

Cash dividends 

Con.;. r brokerage 134 42 

a 347 76 

Taies, 18,: 

Allot: 27 .">.", 

■ nrned on perpetual lire i i 



Actual cash expenditures '4 lm 

vi. lUSCELLlNEOl - 

: tO 

run from date of policy. - '-1 27 



88 AMERICAN CENTRAL KIKE INSURANCE COMPANY. 

Having more than one and not more than three 

years to run from date of policy, '. 1,346,345 00 10.997 04 

Having more than three years to run from date of 

policy 682,331 00 11,791 81 

Perpetual risks in fo-ice and interest premiums,... 10,988,208 00 28G.8G2 31 



$42,800,236 00 020,582 43 

Premiums received since the organization of the Company 5,904.960 34 

Losses paid since the organization of the Company, 3,932,006 93 

Cash dividends paid stockholders, 1,972,975 50 

Stock owned by directors at date, 18,600 00 

Loaned to stockholders not officers , 900 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland), 931,345 00 

Premiums received on same. 10,944 89 

Losses paid, 9,083 06 



AMERICAN CENTRAL INSURANCE COMPANY, 

St. Louis. Mo. 

Commenced Business, February, 1853. 

George T. Cram, President. James Newman, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford, 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS. 

• Stocks and Bonds owned by the Company. , 

Par Value. Market Value. 
U. S. and: State Stocks : — 

U. S. bonds reg. currency, 6's,.... 150,000 00 180,000 00 

" bonds, 35.000 00 42,000 00 

" bonds, 15,000 00 20,000 00 

New coin loans, reg., 50,000 00 53,000 00 

Missouri 6 per cent., 400,000 00 422,000 00 

Total, $050,000 00 $717,000 00 717,000 00 



AMKKUWN CENTRAL 1'IUK INSURANCE '"MI'ANt. 

ay's principal offloe 1,607 90 

ttl I s 16 

,:ns in due l( otion i I' 1 08 

law i of the I I nal value - 50 



[II. LIABILITIES. 

. ind unp ud, > 81 

I and unadjusted 20,655 00 

U, .'><>( I oo 

inio unt of unpaid losses 

premiums on fire risks, one year or less.... 151,888 10 
■it- i pii- anions on riaks more than one year 61,752 7 7 

Amount of unearned premiums as computed above, 218,590 87 

Lividends 1 >lders remaining unpaid 1,070 00 



:;t capital stock 282, 171 71 

,000 on 

Surplus beyond capital 207, - 



J liabilities including capital and surplus $79 i,305 50 

IV. INCOME DURING THE YEAR, 
inms received in cash 449,381 :'•■'> 

rebate, abatements and return 
lutns 63,789 |)9 

Actual cash premiums ,592 24 

From in teres! on bonds 86,054 68 

From interest on loans and dividend I bonds 1,647 89 

acome 9428,294 ::! 

V. EXPENDITURES DURING THE YKAK. 

Amount paid for I '. ! 10.57 occur- 
ring in p 201,948 <'>7 

Deduct sal vage and re-ini 16,509 ''-i 





Cash 



i- 7. 

!19 16 

All other i 



tual oaeh expenditures 

V! 
run • 



90 AMERICAN EXCHANGE FIRE INSURANCE COMPANY. 

Having more than one and not more than three 

years to run from date of policy, 3,719,230 00 56,615 30 

Having more than three years to run from date 

of policy, 3,846.517 00 73.222 72 



27,785,584 00 433,514 23 

Premiums received since the organization of the Company, 4,551,594 35 

Losses paid since the organization of the Company, 2,603,705 48 

Cash dividends paid stockholders, 153,537 70 

Stock owned by directors at date, 60,575 00 

Stock dividends declared, 81,250 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland,) 195,498 00 

Premiums received on same., 2,905 29 

Losses paid, 3,681 52 



AMERICAN EXCHANGE FIRE INSURANCE COMPANY, 

New York City. 

Commenced Business, March 1st, 185!). 

Henry Butler, President. William Raynor, Secretary. 

Attorney in Connecticut. John Hinsdale, Winsted, 



I. CAPITAL. 

Capital actually paid up in cash. $200,000 00 

II. ASSETS. 

Heal estate owned by the Company, unencumbered, 20,000 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 11,300 00 

Loans on bond and mortgage, (first liens) more than one 

year's interest due, , 500 00 

Interest due and accrued on bond and mortgage loans, 418 97 

Value of the land mortgaged, $11,250 00 

Buildings, 18,500 00 

$29,750 00 



AM EXCHANGE NKIC INSUKANCK COMPANY. 91 

. •;■ Mark • • 

D R o no 

l- . .... 8,161 26 

.poll .".Il.tr .,|.-J 

ipon 10, 87 •"■<» 

B8,000 no 

- : — 
Br....kl>: 10,000 nn 8,500 (in 

An. :-'7.7ni» no j no 

1,000 nn I no 

d - - . I 00 *K'-V1 •''■"- '■> 105,45/i 76 

/.■■ ' '.it,/-"!. 

M . • V [] ... Ann. Loaned. 

A-. X. H. K. B 4,900 nn 7,850 001 

mabnrgh Oas Oo 5,0( I 

. ... 4.:.t 4,950 00 > 18,400 0(1 

. Brie K. EL, bdn 2,01 2,< 00 

00J 

: 2,000 00 8,150 00 2»000 

W< ■( ... 1,940 00 5,181 I 

tonal Bank 5,200 00 5,200 00 14.200 00 

rioao Trust On 10,000 00 5.000 001 

.. . 86,000 I 86,01 00 2 



- i 00 

Oaoh in Company's principal office, l".'7 01 

6,969 in 

Interest due an : 486 26 

Interest due and accrued raJ loans 1,276 B4 

reminma in due course of collection B,160 in 



y at their actual value |' >4,454 •"-*-' 



in. i.iAi;ii.n i 



Unea: 

l,84fi 










• 



















AMERICAN EXCHANGE F1RK INSURANCE COMPANY. 



IV. INCOME DURING THE YEAR. 



Fire. 

Premiums received in cash, $50,380 57 

Deduct re-insurfince, rebate, abate- 
ments and return premiums, 9,525 14 



Inland. 
>2,455 50 



Actual casb premiums, $-10,855 43 $ 2,455 50 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds 

Fi om rents, 



Actual cash income, 



43.310 93 

1.137 20 

13,703 *JR 

400 00 

'58,012 17 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 



Amount paid for losses, (including $190- 

00 occurring in previous years,) 10,162 29 

Deduct re-insuiance, 239 15 



Net amount paid for losses, 

Cash dividends, 

Commissions or brokerage, 

Salaries and fees, 

Taxes, 

All other payments and expenses, 



9,923 14 



128 44 



128 44 



Actual cash expenditures, 



10.051 58 

20,280 00 

2,244 05 

18,086 32 

1,332 07 

6,933 94 

$58,927 96 



VI. MISCELLANEOUS, 

Fire. Premiums. 
Risks in force having not more than one year to 

run from date of policy, 9,653,127 00 35,841 99 

Having more than one and not more than three 

years to run from date of policy, 291 305 00 1,934 50 

Having more than three years to run from date of 

policy, 40,450 00 380 98 

9,984,882 00 38,157 47 

Inland. Premiums. 

75,000 00 1,195 50 

Premiums received since the organization of the Company, 1,254,549 84 

Losses paid since the organization of the Company, 5C4,139 73 

Cash dividends paid stockholders 245,000 00 

Stock owned by directors at date, .'.. 63,000 00 

Loaned to officers and directors., 53,600 00 



Business in Connecticut in 1877. 

Fire risks taken (no inland,) 

Premiums received on same, 



14,300 00 
138 50 



ATL kKTIC INSUH \NfK COMPAti i 1 "' 



ATLANTIC INSURANCE COMPANY, 

I ' \ N. x. v. 
Commenced Business, January 28d, 1872. 

Wii.i i .m d. (•■ km i i . Secretary. 
' ■•'. Silas Chapman, Jb., Hartford. 



I. CAPITAL. 

•ually paid up in cash $200,000 do 

II. ASSETS. 

and mor< -t liens) not more than one 

dm 94,5 

L on bond and mortgage loans .",<:; <;: 

Value of the land mortgaged, $106,500 00 

Buildings (insured for $102,000) 152,500 00 



on 

'/ Bonds owned by tht Company, 

: — 

I'm - • i registered G's, 1881, 50,000 00 53,500 00 

L865, 40,000 11,200 00 

70,000 on 71,050 00 

coup 30,000 «"» 31,612 50 

10,1 in.: 

19,000 2,400 00 

Mini. ir.u. 1 

Il 11 ,5 



I •• - 2 50 2 

on 



94 ATLANTIC INSURANCE UCAIPANY. 

Par Value. Market Value. Amt. Loaned. 

Gold cer. check Bk. of N. Y. 20,500 00 21,,068 7»1 
Springfield. 111., water bds.,. 7,000 00 6,300 00 ', 
Central Pacific R.R. 1st mor. 2,000 00 2,090 00 j 
Rock Island " '' 2,000 00 2,060 00 [ 
State of Georgia 7's, gold,... 2,000 00 2,100 00 [ 3o » 000 00 
Missouri Pacific, Istmort,,.. 1,000 00 1,000 00 I 
Union Pacific R.R., sink. fd. 2,000 00 1,880 00 | 
" Istmort. 2,000 00 2,150 00 J 



Total, , $04,000 00 $70,893 75 $53,600 00 53,600 00 

Cash in Company's principal office, 23,651 54 

Cash deposited in Hank, 22.237 85 

Interest due and accrued on collateral loans, 351 38 

Net premiums in due course of collection, 17,298 91 

Assets of the Company at their actual value, $433,745 85 



III. LIABILITIES. 

Losses adjusted and unpaid, 11,511 62 

Losses reported and unadjusted 5,777 07 

Losses resisted, 10,250 70 



Net amount of unpaid losses, 27,539 39 

Unearned premiums on fire risks, one year or less,... 88,280 49 
Unearned premiums on risks more than one year,.... 8,354 10 



Unearned premium s as computed above, 96, 634 59 



Total liabilities except capital stock, 124,173 98 

Capital stock, 200,000 00 

Surplus beyond capital, 109,571 87 



Total liabilities including capital and surplus, $433,745 85 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 357,460 83 

Deduct re insurance, rebate, abatements and return 

premiums, 46,144 38 

Actual cash premiums, 311,316 45 

From interest on bonds and mortgages,. 7,008 25 

From interest on loans and dividends on stocks and bonds, 15,843 66 

Actual cash income, $334,168 36 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $31,022.75 occur- 
ring in previous years), 215,315 99 

Deduct salvage and re-iusurance, 1,099 5L 

Net amount paid for losses, 214,216 48 



All, AN riC IX8UM INOK COMPANY. 

80,000 00 

1 1. ; 1 1 19 

i 00 



All other p i.' 7 . '. • - ; 1 92 

tnal oash Axpenditnres $840,771 

V. mis JELLANEOUS. 

Premiums, 

Bisks in foroe having not more than one year 

to ran from date of policy, 22,114,80] 00 176,560 99 

Baring more ti ad not more than ti. 

ran from date of policy U77. us.") oo *.•.'.'■ 

g more than tl to ran from date of 

policy, 211,475 00 29 :..". 

6] 00 189,159 12 

ived since the organization of the Company 2,005,969 7.". 

Loaeea paid since the organization of the Company, 1,050,942 28 

i dividends pud stockholders 100,000 <>" 

k owned by directors at date .*!.- 

Loan- rs and directors 15,000 <;<> 

4 officers 400 00 

' in 1877. 

1,319,771 00 

Jams reoeired 15,797 7! 

id 17. .Mo 01 






96 ATLANTIC V. AND M. INSURANCE COMPANY. 



ATLANTIC FIRE AND MARINE INSURANCE COMPANY, 

Providence, it. I. 

Commenced Business, June, 1852. 

J. S. Parish, President. T. W. Hayward, Jr., Secretary. 

Attorney in Connecticut, W. E. Baker, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash $ 200,000 00 

II. ASSETS. 
Real Estate owned by the Company unencumbered, 145,780 26 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks :— 

United States bonds, 1867, 15,00;) 00 15,825 00 

Kailroad Bonds :-- 

Michigan Central, 10,400 00 6,240 00 

Bank Stocks : — 

Nat.Bank of Commerce, Prov.,... 10,000 00 9,400 00 

Northern, " ... 12,000 00 10.800 00 

Weybosset National, " ... 5,650 00 0,780 00 

First, ' "... 20,000 00 18,400 00 

R. I. Safe Deposit Co., «• ... 1,000 00 500 00 

Merchants National, " ... 10,000 00 11,400 00 

Fourth, " "... 10,000 00 21,125 00 

American Exchange Nat. N. Y.,.. 1,100 00 1,166 00 

Total, $102,050 00 $101,030 00 101,036 00 

Cash in Company's principal office, 155 82 

Gross premiums in due course of collection, 10,194 25 

Bills receivable 50 00 

All other property belonging to the Company, 5,026 18 

Assets of the Company at their actual value, '.. $202,842 51 

III. LIABILITIES. 

Losses adjusted and unpaid, $2,949 13 

Losses reported and unadjusted, 7.590 0!) 

Total. 10,539 13 

Deduct re-insurance, V>00 00 

Net amount of unpaid losses, 9,039 13 



INTIG F. am. II. INSURANCE COMPANY. VA 

premiume on fire risks, one jeer orlesi 29,810 18 

mora then one j ear, 6,987 05 

mis on u 

unl of nn€ inn d premiums ss oompnted shore, 

lining unpaid i">i 60 

I ~ I 71 

12,0 

• the Company .• 1,988 <;i 

il liul.iliti. oapital stock 60,441 89 

200,000 00 

pita! 2,401 IS 

Total liabilities, including OSpiU] and surplus 12 51 



IV. INCOME DUUINU THE YEAB. 

l Ire. 

Premiuo eaah, 73,838 86 12, 

ment 
a premiums LI, 226 52 6,812 •"•! 



62,606 B4 6,896 U 

Bills end □ Luring the year, f<>r premi i 00 

ins and dividends on stocks and bonds 1,970 6J 

ill other sources, 9,940 4. v > 

Actual ca.sh iucouie $84,114 10 



V. EXPENDITURES DURING THE YE.Vl:. 

Marin.-. 

including 

L2 20 1,194 69 

17 147 43 






55,791 70 8,7 1 1 58,84 1 !■<; 

iivii lends 'j, 1 . 

11,191 75 

Salaries, fees, a: office and agenoj • 12,245 7: 

116 1 .". 



Actual cash expenditures.... | 



VI. MISCELL 



■ 



run • Ie\f1 

13" 



98 AMITY INSURANCE COMPANY. 

Having more than one and not more than three 

years to run from date of policy, 436.888 75 5,852 97 

Having more than three years to run from date of 

of policy 469,392 25 6,771 01 

5,151,713 61 71,244 45 

Marine. Premiums. 

31,048 00 ' 486 25 

Premiums received since the organization of the Company, 2,906,469 52 

Losses paid since the organization of the Company, 2,249,878 33 

Cash dividends paid stockholders, 323,000 00 

Stock owned by directors at date, 52,933 33 

Stock dividends declared, 50,000 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 233,542 50 

Premiums recsived on same, 3,200 34 

Losses paid, 6,155 29 



AMITY INSURANCE COMPANY, 

New Yokk City. 

Commenced Business, June 19th. 1873. 

Edward Meeritt, President. Nathan Harper, Secretary. 

Attorney in Connecticut, Geo. W. Morse, West Meriden. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 4,500 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 8,000 00 

Interest accrued on bond and mortgage loans 18 66 

Value of the land mortgaged, $4,500 

Buildings (insured for $12,000), 12.000 

$16,500 



AMI I V IN8URAM MP INI 99 

mpany. 

k. t Value 



s : — 











.. 






reg 


10,000 00 


10,700 00 

..I 00 




ooupon 6'a, 1 B 


lu.u • 







40,0 10 "" 


I-. U)0 00 







; 


77,215 












.1 


5,000 00 


5,50 




i>r\ 


2,0! 


2,000 00 




J 


|167,000 00 


$179,950 00 


179,950 00 



/. ral. 

1' r Value. Market V r ihio. Anil. Loaned. 

G,5 i • mi 8,695 ') » 6, 170 00 

Pr . i i ;• oertifi i I I - > ' 08 450 I 



1 |7,500 00 $7,495 00 $6,920 00 120 00 

w\ tmpany'a principal office, 265 26 

4,289 64 

•■ued on atocka 1,010 26 

» premiums in d of collection, 8.<>: 

Bills reoeirable 600 00 

All other property belonging tj the Couip my 8,823 83 



seta of the Company at their actual value, $25 

III. LIABILITY 

Loaaeo adjnatedatnfl unpaid, 1,008 19 

m reported and unadjusted, 700 00 

1,800 00 



I unpaid losaea 

Unean on fin riaka, one year ot less.... $28,110 60 
Unearned premiums on riaka more than one year,.... 1,68£ 
dnntaonin ptioo riaki 1,107 



Am urned preminma aa computed aiiov.- 

All other demai. ;ii:; 25 

;1 liabilities except a k 80,27 

Cai 2 



• A Uabilitiea including <■ ipital 



IV. DURING! l li 

Dedn A 

and r 



74,7 



100 



AMITY INSURANCE COMPANY. 



Bills and notes for premiums remaining unpaid, ..$600 00 

From intei'est on bonds and mortgages, 784 60 

From interest on loans and dividends on stocks and bonds, 10,909 81 

Bents,. 1G3 45 



Actual cash income, 



$86,590 07 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 



Amount paid for losses, (including $1.- 

276.00 occurring in previous years 45,873 21 

Deduct salvages, ... 131 75 



Net amount paid for losses, 45,241 46 

Casb dividends, 

Commissions or brokerage, 

Paid for salaries 

Taxes, 

All other payments and expenses, 



2,596 70 



2,596 70 



Actual cash expenditures, , 



47.838 16 
8,000 00 

14,897 64 
9,750 00 

97 6o 
12,757 81 

$93,341 26 



VI. MISCELLANEOUS. 



Risks in force having not more than one year to 



run from date of policy, . 



Having more than one and not more than three 



years to run from date of policy, 



5,300,199 00 



179,029 00 



Having more than three years to run from date of 
policy, i 



« 31,770 00 

$5,510,998 00 
Inland. 
56,500 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Cash dividends paid stockholders, 

Stock owned by directors at date, 



Premiums. 
46,221 20 

1.692 57 

375 68 

48,289 40 

Premiums. 

2,214 00 

302,107 95 

108,734 57 

55,000 00 

85,400 00 



Business in Connecticut in 1877. 



Fire risks taken (no inland,).. 
Premiums received on same, 
Losses paid, 



121,210 00 

1,537 76 

48 07 



CAPITAL CITY INSURANCE COMPANY. 1 • > 1 



WMT.W Cm [NSURANCE COMPANY, 

NY. N. Y. 

Oommenoed Bosin 

I'.. Wi NM i.i. C r,!,uy. 

■ . Kali b Ozlubi r, Hartford 



I. CAPITAL. 

ltd actually paid up in oaah $160,000 00 

II. ASSETS. 

my, 

. : ae. 
| | - * : — 

Q. B. • B, B81, registered 

: 54,50 59,132 60 



Total $140,600 00 | I 168,517 60 



Loan* 

Par Value. Market Value. Amt. Loaned. 

Commercial Bank, Albany... 2,700 00 5,940 Q0 5,000 00 

A Farm. " 2,500 00 6, 8,500 00 



• :1 $! - |12,190 I 00 

m Company's principal office 

in bank 8,067 20 

Inter-- - on collate) 

on, 

\ — -t> <-f th.- Company at their a--- §178,641 17 



III. LIABILITY 

Losses adjusted and unpaid. 1 

Losses reported and unadjusted ... 

Losses resisted,... 



amount of unpaid losses. 

<»n fire risks, one year or lass,... 

rned premiums 



l 



102 



CAPITAL CITY 1NSUKANCK COMPANY. 



Due and accrued for salaries, rent, &c.,.. 
All other demands against tli9 Company, 



Total liabilities except capital stock, 
Capital stock, 



Total liabilities, including capital, 
Impairment, 



200 00 


757 


00 


28,235 


00 


150,000 


00 


$178,285 


00 


4,693 


83 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, , 54,134 78 

Deduct re-insurance, rebate, abatements and return 

premiums, 8,037 09 



Actual cash premiums, . 
From all other sources, 



Actual cash income,. 



46,097 69 
9,118 74 

$55,216 43 



V. EXPENDITURES DURING* THE YEAR. 

Amount paid for losses (including $407.58 occur- 
ring in previous yeai-s), 28,453 90 

Deduct re-insurance 3,353 54 



Net amount paid for losses. 

Cash dividends, 

Commissions or brokerage 

Salaries and fees, 

Taxes, 



All other pa yments and expenses, 
Actual cash expenditures,... 



25,100 36 
7,500 00 
8,937 09 
4,125 00 
467 27 
4,240 91 

150,370 63 



VI. MISCELLANEOUS. 

Risks in force having not more than one year 

to run from date of policy, 2,869,227 00 

Having more than one and not more than three 

years to run from date of policy. 335,387 00 

Having more than three years to run from date 

of policy, 23,750 00 



3,228,364 00 

Premiums received since the organization of the Company 

Losses paid since the Company organized, 

Cash dividends paid stockholders, 

Stock owned by directors at date, 

Loaned to officers and directors, 



Premiums. 
40,475 00 
3,434 29 

302 00 

44,211 29 
533,254 63 
402,539 24 
156,500 00 

68,100 00 
8,500 00 



cmzi N'S in IMFAN1 

I 
Fire i inland),... 101, f 

"71 





CITIZENS' ENSTJRANCE COMPANY, 

; i Y. 

omeneed Business, April, 
If. M« Lbak, President, Enwasn A. Walton, Secretary. 

. \v. ]'.. \',\- i .:. Bartford, 



I. CAPITAL. 

Capital actually paid up in cash, | I 00 

U. ASSETS. 

owned bj unencumbered 94,817 4»; 

Loans on bond and mortgage (iii - ore than one 

. 182,750 U 

• liens more than one ye 
interest due, (of which | closure), IO,iS 

Inter' ;;<1 mortg :;. I 

: 38.000 ,l( ' 

Bui'. - 149.000 00 






Sto 

Vain--. U 

- 

160,125 00 

■■ 
•• I 

1 1.: 

. 

LaJ 



104 



CiTJZKNS INSURANCE COMPANY. 



Bank Stocks : — 
National Citizens, 
Harlem. 

Miscellaneous : — 
Union Trust Co.,.. 



Par Value. 

24,500 00 
2,500 00 

10,000 00 



Market Value. 

24,500 00 

025 00 

12,000 00 



Total, 



,$453,200 00 $405,310 00 405,310 00 



Manhattau Life Ins. Co. 



National Citizens Bank, 

Nat. Butchers & Drovers Bk, 
Lake Shore &M. So. R. R., . 

Western Union Telegraph.. . 

Bank of the Metropolis, 

N.Y. C. & Hudson Riv. R.R. 
Metropolitan Gas Light Co., 
Union Trust Co., 



U. S. 5-20's, 18fi5 

" G's, 1881, 

Missouri G's, 

Third Avenue R. R,, . 
N. Y. & Harlem R. R. 



Loans on 

Par Value. 

500 00 

1,000 00 
1,000 00 
1,250 00 
1,550 00 

20,00!) 00 
5,000 00 

70,000 0!) 
4,000 00 

30,000 00 

10,000 00 

15,000 00 
6,000 00 
1,000 00 

10,000 00' 
4,000 00 
1,000 00 

40,000 00 



Collateral. 

Market Value. 
2.50!) 00 

5,000 00 

5,000 00 

1,250 00 

1,550 00 )_ 

21,800 00* 
3,100 00\ 

51,000 00> 
4,000 00 

31,800 00n 

13,000 00 - 

18.000 00 ) 
7.200 00 
1,055 00 

10,050 00 
4,200 00 
1,000 00 

48,000 00 



Amt. Loaned. 
1,000 00 
1,500 00 
1,500 00 
1,000 00 

20,000 00 

45,000 00 
3,000 00 

31,000 00 

5,850 00 
1,000 00 
5,500 00 
3,500 00 
800 00 
40,000 00 



Total, 

Cash deposited in banks, . 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 
Gross premiums in due course of collection. 
Rents due and accrued 



221,300 00 $233,705 00 $101,250 00 



Asset* of the Company at their istaal value, 



101,250 00 

25,995 65 

735 00 

823 17 

12,082 00 

737 50 

903,550 9L 



III. LIABILITIES. 

\ T e L < amount of unpaid losses, 

Unearned premiums on fire risks, one year or less,.. 
Unearned premiums on risks more than one year,... 



99,711 IS 
26.397 4S 



Amount of unearned premiums as computed above, $126, 
108.60, less pr. rata of re-ins. paid and in force, $3,041.40,..'. 

Cash dividends to stockholders remaining unpaid, 

Due and accrued for salaries, rent, &c, 

All other demands against the Company, 



Total liabilities except capital stock,. 

Capital stock, 

Surplus beyond capital, 



10.620 00 



122,467 26 

300 80 

1.594 30 

1,610 81 

136,623 17 
300,000 00 
471.027 74 



Total liabilities incluliug capital and surplus, $908,550 91 



CITIZENS IN8URA* 'Mi'ANY. 105 

h surplus whioh constitutes • permanent r.s.rvo 
fn:; . rip, whiob l>y the term of Ita l^sm- ean- 

dniafa mid i 

iv. INCOME DUBING THE vf.ak. 

Preminma received in eaah, 286, 167 76 

iii itementa and retain 

2S,459 ig 

Aetna] oaahpreminnia 218,008 <*,o 

From interest on bonda and mortgagee 18,596 '.»<> 

From internal on loena and dividends <>n atoeka and bonds, 88,080 •';•-' 

lYom all other aonroea 4,87<> 14 

Actu.il e.ish inoome $864,511 96 

V. EXPENDITURES DURING THE TEAR. 

Auiouut paid for loaaea, (including $15,424.89 occur- 
ring in previona years.) 87,159 74 

Dedw raranoe, 1,887 51 



amount paid for loaaea, 85,822 28 

Cashdivi: 70,868 70 

ris or brokeraga 19,490 :'.-' 

54,011 11 

8,859 75 

All other < nd expenses, 18,11 



Aetna! cash expenditures $L'.-> 1,484 14 



VI. MISCELLANEOUS. 



Premiums. 



in force having not D one year to 

run from date of policy I G8 199,429 86 

ire thau one and not more than three 

2,708,912 

U) run from date of 
policy 2,142 ::i 4:5 



$48,808,422 7 7 248, 

Premiums received since d of thfl Company 

Losses p. i •• organization of the Comnanv 2,1 

1,29 



Loan 

Loaned to stockhohh 

II 

taken, (no inlni 

Pren. 4,'. 

paid 

14 



106 



COLUMBIA FIRE INSURANCE COMPANY. 



COLUMBIA FIRE INSURANCE COMPANY, 

New York^City. 

Commenced Business, March, 1853. 

Geo. W. Savage, President. John B. Arthur, Secretary. 

Attorney in Connecticut, W. H. Townsend, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $300,000 00 



II. ASSETS. 

Loans on bond and mortgage, (first liens,) not more than one 
year's interest due. 

Interest accrued on bond and mortgage loans, 

Value of the lands mortgaged, 35,000 00 

Buildings, (insured for $35,000,) 40,000 00 

$75,000 00 



27,350 00 
361 96 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
TJ. S. and State Stocks : — 

U. S. bonds 5-20's, 1865, 6's, 15,000 00 15,683 59 

14 " ' 1867, 6's, 30,000 00 31,650 00 

•' bonds, 1881, 6's, 20,000 00 21,300 00 

" " currency, 6's, 18,000 00 21,420 00 

" " 1881, 5's 10.000 00 10,525 00 

" 10-40's, 5 per cent 55,000 00 58,850 00 

" 4^'s, 1891 32,000 00 33,120 00 

District Columbia, 3-65's, 44,000 00 33,440 00 

Tennessee, 6 per cent, 20,000 00 6 ; 800 00 

Municipal Bonds : — 

Brooklyn Park impt. 6's, 13,000 00 13,650 00 

N. Y. Floating debt, 6's, 500 00 525 00 

Brooklyn Water, 6's, 10,000 00 10,500 00 

N. Y. County Court House, 6's.... 3,000 00 3,150 00 

N. Y. Assessment Fund, 6's, 1,000 00 1,050 00 

Queens County, Bounty F and, 6's 1,000 00 1,050 00 

Total $272,500 00 $262,713 59 



262,713 59 



OOLtTXBIA PIKB IN8URAN0E oimpanv L07 

ral. 

\ ilue. Mnrket Value. Amt. Lq 

2,260 • , 

, :. .. [ f 000 ' 00 

1,595 00) 

Alham 00 1,050 <"> 400 00 

1 g, 10,600 00 8,000 00 

Manfa I 00 4,1 , 00 

i.tl " M ... 2,600 00 I 

Dk 16 800 00 I'J.ooi l0(X)0 0Q 

1,250 OOJ 

1st intg. Union P. K. B 1,000 00 1,050 00 250 00 

b 10 10,70 I 00 10,000 00 



.] $50,200 00 $47,67 1 $85,650 00 150 00 

in Company's principal offloe 930 15 

in bank, 1,66 



..lateral loans, 41] 50 

in due ounree of collection 7,197 00 

Bills receivable 30 00 

Alio: rty belonging to the Company 1,500 00 



Assets of thfl Company at their actual value, $887,898 32 



III. LIABILITU 

> reported and unadjusted, 10,967 7."> 

2,600 00 

amount of unpaid losses, 13,4G7 75 

Uneari una on fire risks, one year or .leas 86,810 47 

:ued premiums on risks mure than one year 8,681 '.'I 

Amount of unearned premiums as computed above, 92 41 

Due and accrued for rent :,1 1 <;»; 



Total liubiliti 0] B2 

Caj 800,000 00 

iclndingct] 854,1 

10,1^ 

IV. INCOME DUBING THE TEAR 

Premiurus received in cash, 91 

Deduct re-insurance, rebate, I I and re( 

18,859 7'; 

"18 16 



From 



Actual cath income,... 



108 COLUMBIA FIRE INSURANCE COMPANY. 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $3,409.10 occurring in previ- 
ous years), 38,541 73 

Cash dividends, 15,000 00 

Commissions or brokerage, 10,639 38 

Paid or allowed for salaries and fees, 17,058 00 

Paid for taxes, 2,301 11 

All other payments and expenses, 9,883 40 

Actual cash expenditures, $93,483 62 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy, 9,058,510 00 72,620 94 

Having more than one and not more than three 

years to run from date of policy, 335,248 00 3,395 62 

Having more than three years to run from date of 

policy, 148,100 00 1,706 06 



9,541,858 00 77,722 62 

Premiums received since the organization of the Company, 2,981,889 00 

Losses paid since the organization of the Company, 1,800,473 00 

Cash dividends paid stockholders, 455,000 00 

Stock owned by directors at date, 140,790 00 

Loaned to directors, 22,000 00 

Loaned to stockholders not officers, 3,400 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 299,713 25 

Premiums received on same, 3,626 03 

Losses paid, 3,266 36 



COMMERCE mil INSURANCE COMPANY, 109 



COMMERCE FIRE INSURANCE COMPANY, 

Ni:w You City. 

BMBOed Business, April 1Mb. 1859. 
Duncan McUougall, PrtlidetU. Wm. E. Hoxie, Secretary, 

rney in Connecticut, Geo. N. Morse, West Meriden. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), not more than one 

r's interest due 30,000 00 

Interest accrued on bond and mortgage loans, 180 00 

IS of the land mortgaged, $60,000 00 

Buildings, (insured for $20,000) 66,000 00 

$125,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Valne. 
U. S. Stocks : — 

U. S. G's reg. 1881, 100,000 00 100,750 00 

11 4> Currency, 68,000 00 82,620 00 

M 5-20*8,1865, 11,00000 11,816 25 



Total §179,000 00 8200,680 25 200,08'; 26 

Cash deposited in banks 1,010 08 

Gross premiums in due course of collection, 2,608 16 



Asset* of the Company at their actual value $240,379 44 



III. LIABILITIES. 

Losses adjusted and unpaid 2,975 00 

Losses reported and in process of adjustment, 1 



• amount of unpaid loMSC, 4,500 00 

Unearned premiums on fir r» year or less, tjl8,896 75 

Unearned premiums on risks more than one year, 2,871 06 

Unearned premiums on inland navigation rilkl > 00 

Amount of unearTi' DM M computed 21.: 

Due and to become duo for borrowed money, 11,' 



110 



COMMERCE FIRE INSURANCE COMPANY. 



Due and accrued for rent, 

All otber demands against the Company, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



600 00 
453 36 


38,371 

200,000 

2.008 


17 

no 

27 



Total liabilities, including capital and surplus, $240,379 44 



IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash, $46,810 64 $200 00 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 3,298 02 70 00 



Actual cash premiums, $43,512 62 $130 00 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 



Actual cash income,. 



43.642 62 

2,430 00 

10,316 25 

$56,388 87 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $1,150.00 occurring in previ- 
ous years, 

Cash dividends, 

Commissions or brokerage, 

Salaries and fees, 

Taxes, 

All other payments and expenses, 

Actual cash expenditures, 



VI. MISCELLANEOUS, 

Risks in force having not more than one year to 

run from date of policy, 5,249,806 00 

Having more than one and not more than three 

years to run from date of policy, 227,357 00 

Having more than three years to run from date of 

policy, 72,325 00 

5,549,488 00 

Inland. 

5,000 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, i 

Cash dividends paid stockholders, 

Stock owned by directors at date, 

Business in Connecticut in 1877. 

Fire risks taken (no inland,) 

Premiums received on same, 

Losses paid, 



19,362 


30 


10,000 


00 


3,935 


85 


13.850 38 


1,618 


87 


11,392 


05 


$60,159 45 


Premiums. 


37,793 


49 


2,722 


75 


1,315 


93 


41,832 


17 


Premiums. 


100 


00 


959,879 


00 


560,785 


00 


294,000 00 


62,200 00 


66,431 


32 


683 


98 


51 


49 



COMM - 111 



COMMERCE [NSURANCE COMPANY, 

w. N. Y. 

. .1 one 1st, I 

Adam Van i> VaBIOX DbWiTT, 

'••'/,'. B. II. Alt, in. Hartford. 



I. CAPITAL. 

Capital actually pail up in cash §200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered 40,000 00 

owned by I 

.Market Value. 
Stocks: — 

Dnil I currency bonds '1 239,000 00 

ionaL Albany, N. Y 2 00 

ay, N.V. I on 10,000 00 

. Commercial. Albany, N. V... 15, 87,fiOfl 00 

Uni 1. All-. my, N\ Y fl 00 

N. V I 00 1.:;:. 



Totd 

/. il. 

ned. 

. 
B . • > on 

1,64 

: 






11,8 

Cash 

Interest dne an ■: 

Rents due and 

:.., Company at their 



112 COMMERCE INSURANCE COMPANY. 

III. LIABILITIES. 

Net amount of unpaid losses, 6,950 00 

Unearned premiums on fire lisks, one year or less, 37,553 46 

Unearned premiums on risks more than one year, 10,220 71 



Amount of unearned premiums as computed above. 
All other demands against the Company, 



Total liabilities, except capital stock, . 

Capital stock, 

Surplus beyond capital, 



47,774 
76 


17 
76 


54,800 93 
200,000 00 
152,496 74 



Total liabilities, including capital and surplus, $407,297 67 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 94,692 18 

Deduct re-insurance, rebate, abatements and return 

premiums, 9,470 88 



Actual cash premiums, 85,221 30 

From interest on loans and dividends on stocks and bonds, 18,881 24 

From all other sources, 2,816 88 



Actual cash income, $106,919 42 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $4,108.16 occur- 
ring in previous years), 35,401 68 

Deduct re-insurance 1,456 36 

Net amount paid for losses, 33,945 32 

Cash dividends, 32.000 00 

Paid for commissions and brokerage, 12,209 97 

Paid or allowed for salaries, fees, &c, 11,619 00 

Paid for taxes 3,297 16 

All other payments and expenses, 7,739 36 

Actual cash expenditures, $100,810 81 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy, 8,746,860 00 81,872 76 

Having more than one and not more than three 

years to run from date of policy 936,739 00 10,799 83 

Having more than three years to run from date of 

policy, 255,095 00 3,113 95 

9,939,594 00 95,786 44 

Premiums received since the organization of the Company, 2,895,898 00 

Losses paid since the organization of the Company, 2,050,043 00 

Cash dividends paid stockholders, 442,000 00 



>]|XCRCIAL FIRE IN8U RANGE COMPANY. 118 

.'<* ,; 7. S 

d to offloara and dir 00 00 

I. ted to atookholdem not otti 6,900 00 

■'i,-i;f in 1977. 

•.. (no inland) 801,712 00 

Ptwninms reoeii a« 4,601 71 

Losses paid, l.<>7<'- 84 



COMMERCIAL FIRE ENSURANOE COMPANY, 

N..\v York City. 

Commenced Bnaineaa, May 15th, I860. 

ML V. B. Fowls*, President. David Quackinbush, Secretary. 

Attorney in Connecticut, V. F. McNiel, Cornwall Bridge. 



L CAPITAL. 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage-. (Aral Inns) not more than one 

year's interest due 73,450 <"» 

Interest dne and accrued on bond mortgage loans, 

Value of the land mortgaged, $80,500 <>•> 

Idings, (in- 119,600 <>0 



$ 200, 00 

,'V.h and H ''• < iin»iinj. 

Par Value. Market Value. 
Stocks: — 
bonds, curren .... 177. 114,170 00 

gol L 1881 

o 00 

8 1 , 400 00 
\ j. 16,101 

1" 



114 



COMMERCIAL FIRE INSURANCE COMPANY. 



Municipal Bonds : — 

Brooklyn Corporation 

Long Island City Water, 

Flushing City Water, 

N. Y. Corporation Assessment. 
Elizabeth City Water, 



Par Value. 

33,000 00 
10,000 00 
12,000 00 
1,000 00 
20,000 00 



Market Value. 

37,950 00 
10,000 00 
12,240 00 
1,090 00 
19,808 00 



Total, $311,600 00 $357,066 25 357,066 25 



Loans on Collateral. 

Par Value. Market Value. Arut. Loaned. 

IrvingBank, 1,000 00 1,250 00 1,000 00 

Tradesmens' Fire Ins. Co., 500 00 900 00 500 00 

Total, $1,500 00 $2,150 00 $1,500 00 



Cash deposited in bank, , 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 
Gross premiums in due course of collection. 



1,500 00 

21,513 34 

1,649 99 

8 75 
70,244 90 



Assets of the Company at their actual value, $525,135 85 



III. LIABILITIES. 

Losses adjusted and unpaid, $11,;"03 35 

Losses reported and unadjusted, 8,020 00 

Losses resisted, 400 00 



Net amount of unpaid losses, 

Unearned premiums on fire risks, one year or less.... b 9 1,9 15 86 
Unearned premiums on risks more than one year, 26,978 74 



Amount of unearned premiums as computed above, 

Cash dividends to stockholders remaining unpaid 

Due for salaries, &c , 

All other demands against the Company,.. — 



Total liabilities except capital stock, 

Capital stock, 

Surplus beyond capital, 



Total liabilities including capital and surplus. 



19,923 35 



118,894 60 

350 00 

775 00 

10,588 81 

150,531 76 
200,000 00 
174,604 09 

1525,135 85 



IV. INCOME DUKING THE YEAK. 

Premiums received in cash, 338,341 64 

Deduct re-insurance, rebate, abatements and return 

premiums, 37,900 39 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 
Discount on losses, 



Actual cash income. 



300,441 25 

5,486 92 

19,029 08 

633 31 

$325,590 56 



COMMERCIAL F1KK INSURANCE COMPANY, 1 1 6 

v. EXPEND! CUBES DUBING THE , > BAB. 

Amount paid for lossea, (including (11,985.64 occur- 
ring in previous years) 208,849 Bl 

ind re-insuranos 27,929 52 



\ • amount paid for losses 176,420 29 

dividends B60 00 

Ootnmissionfl or brokerage 61,502 IB 

Salaries and feec 20,906 66 

All other payments and expenses 20,116 16 



Aotaaloaafa expenditures $628,550 42 

VI MISCELLANEOUS. 

Premitun.a 
Risks in force Dating not more than one your to 

ran from date of policy $62,908,2^4 00 195,417 88 

Having more than one and not more than three 

n t<> ran from date of policy 8,806,165 00 88,501 58 

Having more than three years to run from date 

of policy 587.816 on G,31<; 59 



:;»;.7!<:.7i^ im) 285,385 50 

Premium- the organization of the Company, 8,268,126 04 

I. ] dd since the organization of the Company, l,70<>,f>44 G4 

Cash dividends paid stockholders 740,000 00 

Stock owned bj directors at date 101,300 00 

Loaned to stockholders not officers 4,500 00 

Btuineu in Connecticut in 1877. 

Fire risks taken (no inland. ) 248,876 00 

Premiums received on same 8,605 20 

Losses paid, 6 266 Q8 



116 COMMONWEALTH INSURANCE COMPANY. 



COMMONWEALTH INSURANCE COMPANY, 

Boston, Mass. 

Coraraenced Business, May, 1875. 

John Hitchcock, Presidents Samuel Appleton, Secretary. 

Attorney in Connecticut, B. R. Allen, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $500,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 173,000 00 

Interest due and accrued on bond and mortgage loans, 1,372 25 

Value of the land mortgaged, $410,000 00 

Buildings (insured for $101,200), 246,100 00 

$656,100 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks: — 

U. S. 4 per c. gold bonds, 100,000 00 102,875 00 

Municipal Bonds : — 

City of Boston 0"s, currency, 1880, 5,000 00 5,250 00 

" Cleveland 7's, " 1870, 10,000 00 10,175 00 

Railroad Bonds : — 

Cape Cod 7's, 1881, 30,000 00 31,500 00 

Vermont & Mass. 6's, 1883, con.. 12,100 00 13,189 00 

" 7's, 1879, " 2,000 00 2,200 00 

Fitchburg 6's, 1897, 25,000 00 26,125 00 

Railroad Stocks : — 

Vermont & Mass., 4,700 00 5,170 00 

Bank Stocks : — 

Manufacturers National, 13,000 00 12,886 25 

Kevere " 10,600 00 11,527 50 

Third " 7 ? 000 00 7,122 50 

Atlas " 10,800 00 12,312 00 

Webster " 16,300 00 16,544 50 

Traders " 5,400 00 5,454 00 

Merchandise " 20,000 00 20,050 00 



I 



SURANCK COMPANY, 



Jl 



Mt Vernon National, 

Hamilton 





.tineutal 

ard 

erican •• 

00 

Atlantic 1,000 00 I 0<» 

rth '• 

Shawnmt 

.'imbian 

Massachusetts 1,250 00 

;blic 4,100 

Eliot • 

1.1' 1,19 I 

England 00 r, 00 

be •• 00 

» 00 ■• 00 

Hide and Leather " ■■ 00 

7 

Shoe and Leather " 

Total - - r,76i 13 3:.7,734 13 

Loan* on Collateral. 

Par Value. Market Valne. Amt. Loaned, 
iesex R. B 

Atlantic Cotton Mills 

Appletont'-. _ I 

Fitchburg K. B 

Taunton Gas Light I 

So. Boston " 

Dorc: 

Taonton Cot. Machin- 

Chicago 7 per c. bond* 

So. Boston Gas Light Co . 
Mechanics Nat. Bank... 
Manufacturers Nat. Bank. 
Howard Nat. Bank, 

handise Nat. Bank. 

•■ 
•• 

I 

. 

00 



118 COMMONWEALTH INSURANCE COMPANY. 

Cash in Company's principal office, 5,413 64 

Cash deposited in Bank, 18,269 17 

Interest due and accrued on stocks and on deposit in bank, 2,950 98 

Interest due and accrued on collateral loans, 855 02 

Gross prems. in due course of collection, and bal, in hands agts., 28,200 38 

Assets of the Company at their actual value, $646,990 57 



III. LIABILITIES. 

Losses adjusted and unpaid, 2,643 17 

Losses reported and unadjusted, 4,875 00 

Net amount of unpaid losses, 7,518 17 

Unearned premiums on fire risks, one year or less,... 70,257 72 
Unearned premiums on risks more than one year,.... 35,263 21 

Unearned premiums as computed above, 105,520 93 

All other demands against the Company, 3,057 88 

Total liabilities except capital stock, 116,096 98 

Capital stock, 500,000 00 

Surplus beyond capital, 30,893 59 

Total liabilities including capital and surplus, $646,990 57 



IV. INCOME DURING THE YEAK. 

Premiums received in cash, 174,843 91 

Deduct re- insurance, rebate, abatements and return 

premiums, 18,656 73 

Actual cash premiums, 156,187 18 

From interest on bonds and mortgages, 9,272 50 

From interest on loans and dividends on stocks and bonds, 10,547 10 

Actual cash income $176,006 78 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $2,804.03 occur- 
ring in previous years), 83,108 43 

Deduct re-insurance, 134 36 

Net amount paid for losses, 82,974 07 

Cash dividends, 30,000 00 

Commissions or brokerage, 25,114 23 

Salaries and fees, 16..588 33 

Taxes, 5,587 37 

Rents, 4,000 00 

All other payments and expenses, 14,462 85 

Actual cash expenditures, $178,726 85 



HMONWIALTB INSURANCE COMPANY. L 19 

VI. MIS II. | Wl.i.i 

I'r. niiuma. 

in force having not mora than one year 

ran from date of policy 18,182,849 uo 140,615 44 

g more khan one and not more than tliree 

jeara to ran from date of polio j 2,217,271 00 26,801 «'>'.• 

• g more man tl to ran fr.mi date of 
policy 2,817, 29.246 12 



117,716,879 00 196,1 

organisation of the Company 442,967 ."1 

Losses paid since the organisation of the Company, 186, MM5 18 

80,000 00 

: owned by directors at date 79,900 <•<» 

Loaned to officers end directors 24,100 00 

Loaned to stockholders not officers 9,271 

'n Connecticut in 1877. 

Fire risks taken (no inland) 140,088 00 

Premiums received. 1,697 <;i 

Losses paid >v " ~ n 



120 .CONTINENTAL INSURANCE COMPANY. 



CONTINENTAL INSURANCE COMPANY, 

New Yoke City. 

Commenced Business, Jan. 1853. 

George T. Hope, President. Cyrus Peck, Secretary. 

Attorney in Connecticut, Judah Frisbie, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, $1,000,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered, 699,800 00 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 638,000 00 

Interest due and accrued on bond and mortgage loans, 19,089 48 

Value of the land mortgaged, 863,725 

Buildings, (insured for $589.725,) ... 1,147,000 

$2,010,725 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. bonds, reg. 5-20's, 1865, 6's, 100,000 00 102,750 00 

** " currency, 6's, 450,000 00 540,000 00 

" " reg. 10-40's, 5's 50,000 00 53,312 50 

" " 4^'s, 1891, coupon,.. 50,000 00 51,750 00 

Tennessee 6's, Funding bonds,.... 6,000 00 2,070 00 

Tennessee 6's, old bonds, 20,000 00 6,900 00 

South Carolina 6's, consolidated,. 11,500 00 6,900 00 

Alabama new bonds, class A, 10,000 00 4,200 00 

Railroad Bonds : — 

New York & Harlem, 50,000 00 72,500 00 

Bank Stocks : — 

American Exchange National 25,000 00 26,250 00 

Bank of America, 6,900 00 9,660 00 

Bowery National, 3,700 00 5,550 00 

Dry Goods, (in liquidation,) 700 00 175 00 

Mechanics' National, 30,000 00 40,500 00 

Merchants' National, 25,000 00 29,250 00 

Mercantile National, 25,000 00 25,000 00 



: l N I- n 1 \ l . INSl'KANCK COMPANY. 121 

Par \;illlf. MitrLrl Y-ilur. 

>n»J 20,000 «'• 27,011 

00 

i MX o mi 1 1." 

J I • 18,125 on 

Hn - : — 

21,600 00 

I 00 ' » 

N. S 1,200 00 

r..tal I 1,072,692 50 



\lati ral. 

M urkel V:\lm-. Amt. Loaned. 

Hanov. J Bank 1,600 00 1,600 00 600 00 

.plittui, M 8,700 00 4,995 00 

oo I 

mi 1,675 00 10,000 00 

Falton li.iiik. Brooklyn 1,0 I I 1,1 

00J 

00 61,600 00 50,000 00 

nk, 8,< I 00 3,700 00 2,400 00 

00 4,500 00 4,000 00 

Wi - 3o 10,000 00 

. coup... - »,678 75) 

N. V. «'.•!. A II. B. R. B.,. 5,( 00 00 5,300 00 

150,000 00 I59.00C 00 125.000 00 

SlFerry B It. Co... B,« 00 11,125 00 

10 00 25,000 00 18,000 00 

1,000 00 8,/ 

2 250 00 4,050 00 2,000 0Q 

ok . 160 00 '-' 260 00 

J Hank. 15, 00 00 1 1,25 10,000 00 

ik, Brooklyn. 

I do 
,0 ") <") 1,027 S » 






160 00 

I.: 

Cash depo- ink 17'.'.' 

Interest due an 

147,1 

All o 12,5 

held 

Guaranty Surp. 

Assets <-f ..-ir actual valm-. - .:. 



122 ' CONTINENTAL INSURANCE COMPANY. 

III. LIABILITIES. 

Losses adjusted and unpaid, $55,276 18 

Losses reported and unadjusted, 65,468 96 

Losses resisted, 19,141 92 

Total, 139,887 06 

Deduct re-insurance, 1,515 07 

Net amount of unpaid losses, 138,371 99 

Unearned premiums on fire risks, one year or less, 458,700 54 

Unearned premiums on risks more than one year, 524,368 67 



Amount of unearned premiums as computed above, 983,069 21 

Principal on unpaid scrip 'or certificates of profits. 23,051 00 

Interest due and declared remaining unpaid, 12,354 18 

Cash dividends to stockholders remaining unpaid, 585 90 

All other demands against the Company, 20,000 00 

Total liabilities, except capital stock, , 1,177,432 28 

Capital stock, 1,000,000 00 

Surplus beyond capital, 996,501 03 

Total liabilities, including capital and surplus, $3,173,933 31 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 1,670,391 96 

Deduct re-surance, rebate, abatements and return 
premiums, 201.816 01 



Actual cash premiums, 1,465,578 95 

From interest on bonds and mortgages,.-. 43,212 74 

From interest on loans and dividends on stocks and bonds, 77,138 41 

From all other sources, 38,179 06 

Actual cash income, 1,624,109 16 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $156,466.25 occur- 
ring in previous years), $709,526 66 

Deduct salvage and re-insurance, 14,113 58 



Net amount paid for losses, ■. 695.413 08 

Cash dividends, 125,419 55 

Scrip or certificates of profits redeemed in cash, 1,023 82 

Commissions or brokerage, 244,160 59 

Salaries and fees, 184,649 79 

Taxes, 34,12* 77 

All other payments and expenses, , 128,321 30 

Actual cash expenditures $1,413,116 90 



. . im.n PAL LN8URAN08 COMPANY. 128 

vi. m 

i ible to policyholder! I 68 00 

10,1 18 00 

dividend* I9,2i 

amiume on whioh said scrip dividenda were declared,.. 82, 064 ;t.s 

ish, partiripating premiums received during the year 564 i<» 

Limit of scrip sccnmnlation 1,000,1 00 

Preminmi 
, tot more than one year to 

ran from date of policy 157,010,920 00 917,401 08 

re then one end aol more than three 

jeers to ran from date of policy 54,806,640 00 600,890 09 

in three years to run from date of 

27,641,700 00 41 

238,959,160 00 1»844,159 75 

ization of the Company 17,611,554 71 

id since th< tion of the Company 9,442,608 !'<i 

Cash di vi 2,880,497 86 

at date 278,600 00 

Loaned to officers end dirt 10,000 00 

Loaned to stockholders not officers, 18,000 00 

rineu in Connecticut in 1877. 

Fire risk* taken, (no inland), 8,676,078 00 

Premiums received on same, ' 88,642 19 

Losses .paid, 12,094 17 



124 EQUITABLE F1RK INSURANCE COMPANY. 



EQUITABLE FIRE INSURANCE COMPANY, 

Nashville, Tenn. 

Commenced Business, July 1st, 1871. 

D. Weaver, President. J. D. Anderson, Secretary. 

Attorney in Connecticut. Silas Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up iu cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, 519 43 

Interest due and accrued on bond and mortgage loans, 114 28 

Total value of mortgaged premises 3,500 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

United States 5's 15,000 00 15,787 50 

6's, 1807, 85,000 00 89,462 50 

Municipal Bonds: — 

Nashville City, Tenn. 6's, 26,300 00 22,235 00 

Bedford County, Tennessee, 10's, 10,000 00 10,000 00 

Davidison County, Tennessee, 6's, 18,000 00 18.000 00 

Hayward County. Tenn. 8's, 22.000 00 22,000 00 

Jackson City, Tenn. 10's, 5,120 00 4,608 00 

Edgefield City, Tenn. 10's, 8,000 00 8,000 00 

Bullock County, Alabama, 8's,.... 250 00 250 00 

Railroad Bonds : — 

Nash. Chattanooga & St. Louis,... 53,000 00 45.050 00 

Duck River Valley, 8's, 500 00 400 00 

MlSCELL .NEOUS : — 

Tennessee Manufg. Co., 20,000 00 20,000 00 

Cumberland Iron Works, 10's, 10,000 00 10,000 00 



Total $273,170 00 $265,793 00 265,793 00 

Cash in Company's principal office. 2,347 41 

Cash deposited in bank, 14,103 23 

Interest due and accrued on stocks, 10,795 65 

Net premiums in due course of collection, 17,321 39 

Assets of the Company at their actual value, $310, 994 39 



EQUITABLE FIRE INSURANCE COMPANY. 

in. i.i vr.ii.i 1 1. 

; unpaid 

i mihI unadjusted 1,941 06 

11,81 



:.il 

Deduet re-insm 



17,287 1<: 

6,17; 



amount of unpaid Losses, 

rned premiums on fl rless,... 62,698 ,;t ; 

[urns on risks more khan one year, ... 9,481 '.'i 



Unearm .1 premiums as oompnl 



. x ■< |>t capital stock 

• .i Bkook 

Burplos beyond eapital 



L25 



li.in ii 



71M7.-, 60 
39 71 

L'7.7' 



Including capital and surplus $810,994 89 



IV. INCOME DURING THE XEAK. 

inmsreoei ih,. 156,682 -41 

; ru 
premium^ 17,895 



Actual cash premiums 

From interest on Loans and dividend* on Btooks and bonds, 



Actual cash in 



r87 02 

li.lil :;:» 

•152,928 -11 



V. EXPENDITURES DUfilNQ THE YKAK. 

inolnding $12,190.78 occurring in ] 

vio 90,6 

Commissions or brokerage L'l'. I 

9,92 

'.'.!• 

All other { $76 16 

Actual cash expenditures $1 



VI. ICISOELLANEOI 

in force haying not do 

to run from date "f 

Having mor d »t m >re than three 

years to run f: 174 00 

Having more than three ye 

of j. 



Premiums re 
I 



Stock oemed by directors at date, 



IBM, 



126 EQUITABLE F. AND M. INSURANCE COMPANY. 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 331,978 00 

Premiums received on same, 6,083 00 

Losses paid, , 1,555 06 



EQUITABLE FIRE ANB MARINE INSURANCE COMPANY, 

Providence, R. I. 

Commenced Business, September, 1860. 

Fred. W. Arnold, President. James E. Tellinghast, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford, 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Real estate gowned by the Company unencumbered, 120,000 00 

Loans on bond and mortgage (first liens) not more than one 

year's interest due, 15,000 00 

Value of the lands mortgaged, 8,000 00 

Buildings (insured for $8,000.00), 12,000 00 



20,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

United States 6's, 1881,. # 20,000 00 22,000 00 

Bakk Stocks : — 

Old National, Providence, 50,000 00 55,000 00 

Nat. Bk. Commerce, Providence, 15,000 00 14,100 00 

American National, " 10,000 00 9,400 00 

Third " " 3,000 00 2,700 00 

Butchers and Drovers, " 5,0C0 00 2,500 00 

Manufacturers National, " 10,000 00 13,000 00 



EQUITABLE K. and M. INSURANC] COMPANY. 

] • • \ ili i 
Onion, 

Fourth National, " 00 

Warn ■•., B. I I0 f ( 00 00 

■ 

20,000 on 21, 100 I 

- : — 

Am I0,0< o 00 



• .1 . 1,100 "it 174.lt (i 00 

Iffarket Value. Ami Loaned. 

(3,6 10 00 I - 8,71 

Cash \"s prinoipal offl te 

18,92 

coUeotion 18,675 li 

All other property b< p&uy, " '- 



Assets of the Company at their lotoal value (844,091 13 

III. LIAP.IUTII 

and anadjnated 7 

1,300 

ant of anpaid Losses 9,1(1 

inm8 on Are risks, one year or k-s 4'_'.77". 05 

premiums on risks more than one year 1 7.71". 01 

innis on inland navigation risks 210 13 

premiums on unexpired marin ... 1,181 75 



Amount of mi earned premiums as computed 61,9 

Cash divi i tining unpaid 

Due and accrued tor 

All other d 

Total liability >k !fl n 

Caj 20 . 00 00 

Snri 69,4(1 



tal liabilities, inolnding capital and surplnc $844,091 18 

iv. (NOOMJ 

. . : I : 

and 

■ 



128 EQUITABLE F. AND M. INSURANCE COMPANY. 

V. EXPENDITURES DURING THE YEAE. 

Fire. M. A In. 
Amount paid for losses, (including $8,- 

5.63 occurring in previous year,) 52,920 64 6,741 07 

Deduct salvages and re-insurance, 394 47 368 04 

Net amount paid for losses. 52,520 17 6,373 03 58,899 20 

Cash dividends, 23,689 80 

Commissions or brokerage 19,281 G9 

Salaries, fees, and other office and agency expenses, 1(5,216 71 

Taxes, 5.143 05 

Building expenses, 2,711 72 



Actual cash expenditures, §125,892 20 

VI. MISCELLANEOUS. 

Premiums. 
Bisks in force having not more than one year to 

run from date of policy 80,825,571 81 85,546 11 

Having more than oue and not more than three 

years to run from date of policy. 887,981 17 11,020 22 

Having more than three years to run from date of 

of policy 1.510,906 58 21,583 02 

9,224,459 56 118,749 ?,b 

M. & In. Premium?. 

88,035 55 1,602 00 

Premiums received since the organization of the Company. 1,415,916 36 

Losses paid since the organization of the Compau}-, 1,091,058 07 

Cash dividends paid stockholders, 252,000 00 

Stock owned by directors at date, 39.130 00 

Loaned to officers and directors, 3,105 00 

Business in Connecticut t»1877. 

Fire risks taken, (no inland) 211,255 00 

Premiums received on same, 3,072 88 

Losses paid, 624 52 



BANGK FIRE INSURANCE COMPANY, 129 



EXCHANGE FIRE [NSURANCE COMPANY, 

Oommenoed Business, May. I 
KicH.vr.o 0, Oom . Gsoboi W. BIoxtookkby, Beoretary. 

I >. Hall, Bleriden. 



I. CAPITAL. 

;.il actually pai J up iu cash, $200,01(1 00 

II. ASSETS. 

Loans on bond and mortgage, (first lien-;, not more than one 

180*960 00 

- on bond and m first Liens] more than one ye 

int mid is i:i pro tees of foreclosure), 4,500 00 

. te end aooruedon bond and mortgage loans 1,042 ">i» 

leof the land mortgaged, $168,000 

Building.-, (insured for ft 13 7,050 J 174,000 

8to I <<'/>• owned by the Company. 

I'ar Valu<\ Market Value. 

Stocks : — 
UnJ np, '67, .. 100,000 00 106,750 <»'< 

reg. 1881,.. no IB 00 



I 00 184, 

/. ■ mm on Collateral. 

I'.ir Valti'-. M . Ami. Loaned. 

Rutgers Ki 2,000 00 

N. V. B rentable I 1,050 <> ; » 

). 

Orients 

■ 

B * • 



17 



i 


600 on 







































9,0C0 00 



1,500 00 



130 EXCHANGE FIRE INSURANCE COMPANY. 

Par Value. Market Value. Arat. Loaned. 

Erie R. R. Fourth in tg 3,000 00 3,120 00 2,500 00 

Rutgers' Fire Ins. Co., 1,500 00 2,625 00 1,500 00 

Knickerbocker Ice Co., 8,500 00 6,375 00) 

41 " 8,000 00 7,200 Oof 

tttn-a, Fire Ins. Co., 1,500 00 1,500 00 1,250 00 

Sterling Fire Ins. Co., 1,000 00 950 00 800 00 

Empire Transportation Co... 250 00 250 00 > 

Manhattan Fire Ins. Co...... 1,500 00 2,100 00> 

American Exchange Bank,.. 500 00 530 00 475 00 

Harlem Gas light Go,, 2,950 00 2,950 00 2,000 00 

Park Fire Ins. Co 700 00 875 Oo) 

Sterling Fire Ins. Co., 500 00 475 f ^O 00 

Emporium Insurance Co...... 500 00 500 00 ' 

Central Trust Co., , 1,000 00 1,000 00 850 00 

Stuyvesant Fire Ins. Co 3,500 00 5,600 00 3,500 00 

Bull's Head Bank, 400 00 200 00 100 00 

St. Louis, Jack. & Chi. R.R. 1,000 00 1,050 00 950 00 

N. Y. Equitable Ins. Co,,... 875 00 1,662 50 1,200 00 



Total, $55,155 00 $73,372 50 $46,125 00 46,125 00 

Cash in Company's principal office, 1,839 71 

Cash deposited in bank, 15,759 75 

Interest due and accrued on collateral loans, 758 25 

Gross premiums in due course of collection, 15,059 13 

Rents due and accrued 541 66 



Assets of the Company at their actual value, $383,901 00 



III. LIABILITIES. 

Losses adjusted and unpaid, 7.500 00 

Losses reported and uuadjusted, 10,700 00 

Losses resisted, 1,500 00 

Net amount of tinpaid losses, 19,700 00 

Unearned premiums on fire risks, one year or less,... $38,425 80 
Unearned premiums on risks more than one year,.... 8,587 01 
Unearned premiums on inland navigation risks, 74 50 

Amount of unearned premiums as computed above, 47 087 31 

Cash dividends to stockholders remaining unpaid, 423 00 

Due and accrued for salaries, rent, &c. 1,333 33 

All other demands against the Company, 2,569 95 

Total liabilities except capital stock, 71,113 59 

Capital stock, 200J010 00 

Surplus beyond capital, 112,777 41 

Total liabilities including capital and surplus, $383,901 00 



I [KB INSURANCE COMPANY. 131 

l\. INCOME DURING THE TEAR, 

Kir.-. Inland. 

Premiums reoeWed tnoaah 127,819 65 "-'.'l 76 

■ re-insuranoe, ttementa 

and return premiumi 11,246 19 89 BO 



ail rush pramhuna, 1 16, l 86 116, 1 

>n bonds and mortgages, 9,429 47 

r interest on loans and dividends and stocks and bonds 18,488 7i 

8,260 00 

Actual oaah inoome, $14 

V. EXPENDITURES DURING THE TEAR. 

Amount paid for losses, urn-hiding $2,097.77 occurring in pre- 

vi. 

80,001 BO 

.iis>i.ms or brokerage 16,608 7<» 

i tees 80,1* 

4,182 61 

All other payments and expenses, 9,424 48 



Actual cash expenditures, $148,981 11 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year t<> 

run from date of policy 18,677,928 00 76,851 61 

Having more than one aud not more than three 

years to run from date of policy. 1,229,620 00 10,806 66 

Ha%*ing more than three years to run from date of 

policy .-,.:•'• 



$15,446,674 00 98,118 G6 

inland. Preminma. 

6,200 <»<> l 19 00 

Premiums received since the organization of the Company 

Losses paid hince the organization of the Conjpuiy 1,888,649 91 

Cash dividends paid stoekhi Aden 

Stock owned by directors at date, 106,600 oo 

Loaned to officers and din 00 00 

Loaned to stockholders n 

Busintg* I ' in ; -;:. 

risks taken (no b l M00 00 

Premiums received on same 

Loaaes paid, 



132 FAME INSURANCE COMPANY, 



FAME INSURANCE COMPANY, 

Philadelphia, Penn. 

Commenced Business, Sept. 1st, 1856. 

Chas. Richardson, President. Williams I. Blanchard Secretary. 

Attorney in Connecticut, D. B. Gerrett, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, $150,000 00 

II. ASSETS. 

Real estate owned by the Company, unencumbered 10,000 00 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due. 126,500 00 

Interest due and accrued on bond and mortgage loans 2,926 00 

Total value of mortgaged premises, $265,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Bank Stocks : — 

Bank of Republic, 25,000 00 25,000 00 

Second National. 10,000 00 10,000 00 

Chamber of Commerce, 400 00 400 00 



Total, $35,400 00 $35,400 00 35,400 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Cumberland Nail, 7,000 00 7,000 00 5,000 00 

Illinois R. R., 4,000 00 4,000 00 2,000 00 

Guarantee Trust Co., 5,000 00 5,000 00 3,500 00 

Pennsylvania Canal, a.. 1,000 00 800 00 550 00 

2d &3d St. Pass. R. R. Co., 350 00 455 00 250 00 



Total, $17,350 00 $17,255 00 $11,300 00 11,300 00 

Cash in Company's principal office, 2,996 28 

Cash deposited in bank, 3,718 20 

Interest due and accrued on stocks and collateral loans, 778 60 

Net premiums in due course of collection, 10,544 79 

Assets of the Company at their actual value, . . ., $204,163 87 



I- ami-: insi ;; INCH OOMP INY. 

in. i.iM-.ii.i i m a 

mount of unpaid losses 

Amount of unearned prerainmw 17,2 

•.it rei-laiiiiHi.il> by the insured on perpetual Are policies 609 00 



[liabilities, I stock (7,864 0g 

Oapii 150,000 00 

Surplus beyond capital 6,799 79 

J liabilities, inolnding capital and snrploa 204,168 87 



iv. income DUBING THE yfak. 

Premiums nv. -h 46,08 

abateuM nta and return 
turns 10,014 88 



raal oesh premiums :;''.. <i:l' \r> 

From interest on bonds and mortgagee 081 70 

n loans and dividends on Btooka and bonds 2,666 15 

ived for calls on capital $81,045 18 



A tual cashiucome, $46,760 00 

V. EXPENDITTJBES DUKING THE TEAR. 

mount paid foi 98,3i 

kerage, 6 782 71 

Paid or allowed for salaries and fees. 00 00 

for taxes 1,177 98 

All other payments and expenses 11,278 18 



Actual cash expenditures, $128,189 <;;; 



VI. MISCELLANEOUS. 



Preminms. 



in force having not more than one year to 

ran from date of poliey 4,177,880 00 86,072 15 

1,186,226 00 26,222 05 



5,811 62,294 20 

Premiums recc-iv ization of tie- Company ,805 11 

Losses p ion of the Company 

Cash dividends : 81 16 



Loaned to officers and di. 10,750 00 

Loaned to stockholders □ 

ll 

Fire risks taken, 'no Inland), 

Premiumt received on win. 



134 FANEUIL HALL INSURANCE COMPANY. 



FANEUIL HALL INSURANCE COMPANY, 

Boston, Mass." 
Commenced Business, March, 1872. 
K. S. Chaffee, President. H. D. Bradbury, Secretary. 

Attorney in Connecticut, C. 0. Kimball, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $400,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 20,160 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 133,450 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, . 0,500 00 

Interest due and accrued on bond and mortgage loans, 5,628 68 

Value of the land mortgaged, $195,000 00 

Buildings, (insured for $95,000) 125,000 00 

$320,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 5 20 s reg., 1867, 10.000 00 10,525 00 

" new5's" 1867, 10,000 00 10,525 00 

" currency G's, 7,000 00 8,330 00 

« 4£'s, 23,000 00 23,747 50 

Municipal Bonds : — 

Town (now city) Somerville,Mass. 25,000 00 27,500 00 

City Minneapolis, Minn. 8's, gold, 12,000 00 13,080 00 

» 7's, cur., 4,000 00 4,000 00 

" St. Paul, " 7's, cur., 6,000 00 6,000 00 

" Toledo. Ohio, 8's, cur., 3,000 00 3,240 00 

cer. indebtedness 4,984 67 4,735 46 

Railroad Bonds : — 

Middlesex Horse R, R., 8,500 00 9,180 00 

Railroad Stocks : — 

Boston & Albany 500 00 625 00 



'• rn. hall ins|-|;a.wi. com r\NV 






s : — 

\ of Commerce, Boston, 

. of Redemption, *' 

Massiu'ln.- 

.. 

Globe 

[land 

H 

r " 

■• 

H ond 
atio 

nil II .11 

.. 

.. 

.. 

EDOnl 

rth 

•ker Hill 
Free- 

•' 
Hamilton 

boro " Northboro 

Central " Lynn 

Newbyp'rl 

Fitchbnrg 



- .Inc. 

1 I .fid! I I'll 

(K) 

::. on 

1(1, (Milt (II) 

10,000 00 

• III) 

14,600 en 

6,800 (»'» 

6,000 oo 

■i 00 

o 

2,700 (in 
i 00 

1,61 

MM) (Ml 
'J. I" 

;:.l(.o on 
l.i.mi 00 
9.500 do 

(Ml 

1,40 

00 00 
00 



$246,484 6 



la* 

l •_•.•_•'.>•; (in 

7,816 00 

4,800 oo 

-; .mi 

1 1,225 00 

10,82 

18 1 K> oo 

r.». •_':•_> oo 

i oo 
10,860 00 

I Ml 

T.ol '_' 50 

<;.(;:,() oo 

8,690 oo 

2,750 DO 

1,690 

! . i» 

71 3 oo 

611 60 

2,160 

4,188 •".<» 

1,060 <"> 

10,785 oo 

1,201 

1,890 00 

5 00 

2,687 50 

::: 2] 788 21 



Cash in Company's principal offi ce 

Cash <1 



-t dae and aoeroed on collateral loans. 

Bills receivable. 

Loan on collateral 



;-. Bl 

2,167 09 

188 88 

86,642 17 

to 



Asset* of tl • •'' ■ ictnal v.il . £4109,0] 7 lt> 



III. LIAWLir:; 
Loeses i 
Losses in process 









Net am I f<»r losses,. 






136 FANKUIL HALL INSURANCE CCMFANY. 

Unearned premiums on fire risks, one year or less, . ...$78,526 04 
Unearned premiums on risks more than one year, 50,374 88 



Amount of unearned premiums as computed above, 128,900 92 

Cash dividends to stockholders remaining unpaid, 805 00 

Due and accrued for salaries, rent, &c, 3,000 00 

All other demands against the Company, 2,000 00 



Total liabilities, except capital stock, 151, -192 77 

Capital stock, 400,000 00 



Total liabilities, including capital $551,492 77 

*Iinpairment, 42,475 52 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 251,306 50 

Deduct re-insurance, rebate, abatements and return 

premiums, 39,938 40 



Actual cash premiums, 211,368 10 

From interest on bonds and mortgages, 9,069 12 

From interest on loans and dividends on stocks and bonds, 17,180 85 

From all other sources, 1,546 00 



Actual cash income, $239,164 07 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $14,534.92 occur- 
ring in previous years), 120,505 28 

Deduct re-insurance 294 00 



Net amount paid for losses, 120,211 02 

Paid for commissions and brokerage, 46,874 92 

Paid or allowed for salaries, fees, &c....... 4,715 14 

Paid for taxes, 7,897 83 

All other payments and expenses, 25,233 36 

Actual cash expenditures, $204,932 27 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy, 10,750,095 00 157,052 08 

Having more than one and not more than three 

years to ruu from date of policy 4,016,582 00 5.5,517 92 

Having more than three years to run from date of 

policy, 3,279,264 00 35,140 57 

17,045,944 00 247,710 57 

Premiums received since the organization of the Company, 1.024,333 50 

Losses paid since the organization of the Company, j 575^305 20 

Cash dividends paid ■stockholders, 59,250 00 

Stock owned by directors at date, 142,700 00 

* Since reception of this report the Company has reduced its capital to $300,000. This re- 
duces its liabilities below its assets, and leaves a surplus. 



rARRAGU i riKl N8 ■ IN< I MPAJO . 

• . (no Inland) 818,11 

me, 8.992 i v 





FARRAGUT FIRE [NSURANCK COMPANY, 

N :■■ Tons Oi 
• .1 Business, Jan. 29th, l B72. 
John M Fubmah, P ; :. Secretary. 

- I . FuiiLSB, Norwioh. 



I. CAPITAL. 

Capital actually peiiMrp in oaab |200,000 00 

II. ASSETS. 

ad by the 4 inenonmbered 22,444 ,; 7 

cm bond and mortgage, nir.st liens,) not more than one 

yea: mi 00 

rued on bond and mortgage loana 1,01 

Val 

Building- I 00 



k.t V;i!u''. 
s : — 

IT;.. ■■• :/. :■ . . 2 

>TOCK8 : — 

Fourth National. .. 



I 



138 FAHRAGUT FIRE INSURANCE COMPANY. 



1,000 00 



22,000 00 



Loans on Collateral. 

Par value. Market value. Aa-.t Loaned. 

Fourth National Bank, 1,000 00 1,010 00)^ 

Enterprise Ins. Co., 300 00 255 00) 

Mfrs. Nat. Bk. Brooklyn,.. 15,000 00 13,500 00 10,000 00 

Guardian Fire Ins. Co., 1,000(10 850 00 500 00 

Broadway R. R, Brooklyn,. 17,500 00 26,250 00 )_ 

Brooklyn Ferry Co ., 7,500 00 11,250 00) 

Fourth National Bank, 20,000 00 20,200 00 12,000 00 

Broadway R. R., Brooklyn, 4.000 00 0,000 00) 

Peoples Gas Light Co 12,000 00 3,600 00- 11,000 00 

»« .... 3.000 00 2,850 00 ) 

American Express Co 10,000 00 4,050 00) 

Adams Express Co. , 6, f 03 00 5,880 00) 

Fourth National Bank 7,300 00 7,373 00 0,500 00 

Tradesmens' Fire Ins. Co.,. 1,375 00 2,002 50 1.200 00 

Istmtg. bond B'dway R.R. 1,000 00 1,000 00) 

2d " " 1.000 00 1,000 00 > 

Manufacturers Nat. Bank.. 990 00 891 00) 

Citizens Gas Light Co., 2,000 00 1,600 00i 

U. S. 5.20'b, new, 1865, 4,00(1 00 4,235 00 3,500 00 

". 2,000 00 2,117 50 1,800 00 

Central National Bank, 5,000 00 5,000 00 n 

German American Ins. Co. 5,000 00 5,750 00 - 9,500 00 

Guardian Fire Ins. Co 2,000 00 1,700 Oo) 



0,000 00 



1,000 00 
1,500 00 



Total, $128,965 00 $129,324 00 $87,500 00 87,500 00 

Cash in Company's principal office, 19g Qg 

Cash deposited in Bank, 26,483 11 

Interest due and accrued on collateral loans, 1431 02 

Gross premiums in due course of collection, 7 283 30 

Rents due and accrued, 128 00 

Office furniture, fixtures, maps, &c. to three offices,.. $+,000 00 



Assets of the Company at their actual value, $424,382 60 



III. LIABILITIES. 

Losses adjusted and unpaid, 3,430 01 

Losses reported and unadjusted, 021 21 

Net amount of unpaid losses. 4,300 22 

Unearned premiums on fire risks, one year or less, 52.041 32 

Unearned premiums on risks more than one year. '9,363 00 

Amount of unearned premiums as computed above....: 02,005 01 

Due and accrued for salaries, rent, &c : 2,701 07 

All other demands against the Company, 727 04 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 




Total liabilities, including capital and surplus $-124,382 Of, 



FARKAGU r P1RB INSUH \ mi'a.n V. 

IV. rNOOME DURING THE YEAR. 

Premiums reoeii ' 

Lot re-insu I return 
premiums, 5,099 99 

Actual cash premiums 114,8 

Prom interest on bonds end mortgages •"-. 142 44 

interest on loans and dividends on stocks and bonds 17,8 

all other sonroes 590 00 

Actual cash inoome |188,22 

V. EXPENDITURES DURING THE YEAR. 

Amonnl paid f< including 38 occurring in pre- 

vic ■: 17,886 89 

Cash dividends 80,01 

Commissions or brokerage 9,418 75 

Salaries and fees 21,850 00 

2,846 -J'.) 

All other payments and expenses, 22,071 7<; 



Actual cash expenditures, $184,061 69 



YL MISCELLANEnrs. 



Premium*. 



in force having not more than one year to 

run from date of policy .' $24,172,925 00 108,520 84 

Hiving more thau one and not more than three 

run from date of policy 1,185,509 00 10,789 06 

Sg more than three years to run from date of 
policy 801,950 00 2,973 L9 



$25,660,884 00 L22,2i 

Premiums received since the organization of the Company, 918 27 

Losses paid since the organization of the Company, 247,278 60 

Gash dividends paid stockholders 182,000 <i<> 

Stock owned by dire 06, 5< 

Loaned to officers and directors - 000 00 

holders not officers 18,0 

( cUeut in 1877. 

• no inland.) 108,1 

Premj aired on same. 1,11 

Losses paid 7 60 



140 liRK ASSOCIATION INSURANCE COMPANY. 



FIRE ASSOCIATION OF PHILADELPHIA, 

E'hiladelphia, Pa. 

Commenced Business, March 27, 1820. 

Wm. F. Butler, President. Jacob H. Lex, Secretary. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $500,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 06.920 70 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 1,306,361 77 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, 15,350 00 

Interest due and accrued on bond and mortgage loans, 25,241 23 

Value of the land mortgaged, $1,383,850 00 

Buildings, (insured for $2,084,050-00) 2.767,700 00 



$4,151,550 00 



Stocks and Bo /ids owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

United States Bonds, 500,000 00 442,41)3 75 

Municipal Bonds : — 

Philadelphia City, 400,000 00 448,250 00 

Pittsburgh City, 50,000 00 42,500 00 

Camden City, 6,000 00 6,480 00 

Philadelphia City Warrants 76196 819 10 

Railroad Bonds :-- 

Pennsylvania, 100,000 00 100,500 00 

Lehigh Valley, 100,000 00 118,000 00 

Lehigh Coal & Navigation, 100,000 00 87,000 00 

Philadelphia & Reading, 10,000 00 5,700 00 

Catawissa, 10,000 00 10,500 00 

Philadelphia & Erie, 12,000 00 14,140 00 

Railroad Stocks : — 

Pennsylvania, 150,000 00 99,750 CO 

Philadelphia & Reading, 100,000 00 34,250 00 

Lehigh Coal & Navigation Co., . ... 30. COG 00 30,4CC 00 



x l [ON INSUH INCE COMPANY. Ml 

P .' \ :lll!f. .Illi". 

Philadelphia, i 16,650 00 : 00 

Chestnut Hill. I 00 

llXBCK] : — 

I 00 00 

I 00 617,700 o<> 



I : tl - 

dtadin Bank 126.049 86 

Interest due and Merited <»n Btocks, 1,849 <n> 

n iu ins in due course of ooUeotioo 186,720 <»7 

118 <;<> 



Ui Company at their actual value 

IU. LIA1;ILIT1! 

I and unpaid 16,971 n 

I and unadjusted <;<>.<ii;i 60 

14,100 00 



amount of unp 90,11 

[urns on ti 6,782 99 

dums on ri .. 66, 17 ; 88 

Un i oomputed above, 542,254 ^7 

perpetual policiea 1,649,998 '.'l 

okholdere remaining unpaid, 1,261 <m» 

All other d I kunpany 18,1 



ccept capital Btock 2,881,680 77 

Capital stock 600,1 

• il :.', t 7^ 



•.I liabilities including capital and surplus 

IV. INCOME DURING THE IEAB. 

Preiu: 1 sash 

md return 

!•.!<;, 692 



Actual cash premi 1, - 

ad mortgage! ;.: 60 

l< 6, 7 



Dep. 1 7 . r.» 



Actual cash income. 11 l'1 



v. EXPENDITURES DURING I in: I BAB 

Amount paid for losses, (inclu 



14:2 FIRE ASSOCIATION- INSURANCE COMPANY. 

Commissions or brokerage, 267, 785 15 

Salaries and fees, .' 49,508 71 

Taxes, 30,188 76 

All other payments and expenses, 22,822 50 

Deposit premiums returned on perpetual risks, $24,969.05 



Actual cash expenditures, $1,205,280 84 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run from date of policy, 96,442,184 00 953,565 99 

Having more than one and not more than three 

years to run from date of policy, 3,642,721 00 65,926 68 

Having more than three years to run from date of 

policy, 3,445,093 00 61,463 33 

Perpetual risks in force, 70,228.330 00 1,736,840 96 



$173,758,328 00 2.817,796 96 

Premiums received since the organization of the Company, 7,749,620 00 

Losses paid since the organization of the Company, 3,009,326 00 

Cash dividends paid stockholders, 1,379,762 00 

Stock owned by directors at date, 102,950 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland), 2,189,526 00 

Premiums received,. .30,054 20 

Losses paid, 24,251 92 



PIKKMKN Sj [NSURANCK COMPANY. 






FIREMEN'S ENSURANCE COMPAN1 , 

Ni w am;. N. .1. 

Commenced Business, December 3d, ' 

i ) urn i. II. Dimi ui. Secretary. 
'. Ob \s. w ii. son. \, •■>■.■ Raven. 



I. CAPITAL. 



Capital actually paid ap i:. 



% 1 1 II I. (MM I'll 



II. ASSETS. 

apany onenonmbered 

Ik. ii.l and in- r-,t Liens) not more than one 
t « 1 1 1 < • 

Loans on 1". ii. i . • liens,) more than one year's 

of which $14,800 is in process of t< .).... 

ind mortgage loans 

Bmldingf I for $1,068,626) 1,647,800 00 

-'/ Bond* n,r,,i<! by ''<< Company. 

Market Value. 



- : — 

\ 







rk Bankii 

: 



Par Value. 

! In.. 
1 1,80 

J.760 <><» 



1 50, G 25 no 

K (Ml 

O 

877 50 



. 



- 
I 

Gross i 

All oth- 

■ 



121,000 no 

647,919 00 

18,900 no 
19,014 07 



I''-.! 

- 



144 firemen's insurance company. 

III. LIABILITIES. 

Losses adjusted and unpaid, $3,435 77 

Losses reported and unadjusted, 5,650 00 



Net amount of unpaid losses, 9,085 77 

Unearned premiums on fire risks, one year or Jess,... 92,928 89 
Unearned premiums on risks more than one year, 2G,477 04 

Amount of unearned premiums as computed above, 119,406 53 

Amount reclaimable by the insured on perpetual fire policies, 288 80 

Principal on unpaid scrip, 2,972 00 

Interest due and declared remaining unpaid. 802 80 

All other demands against the Company,., 710 31 

Total liabilities except capital stock, 133,266 2L 

Capital stock, 400,000 00 

Surplus beyond capital, 500, 059 09 

Total liabilities including capital and surplus,.. $1,033,325 30 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 218,519 74 

Deduct re-insurance, rebate, abatements and return 

premiums, 8,431 55 

Actual cash premiums, 210,088 19 

From interest on bonds and mortgages, 40,779 67 

From interest on loans and dividends on stocks and bonds, 9,676 62 

From all other sources, 3,426 06 



Actual cash income. $272,970 54 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $17,178.34 occur- 
ring in previous years) 92,065 29 

Deduct salvage and re-insurance, 1,979 04 



Net amount paid for losses, 90,086 25 

Cash dividends 48,000 00 

Scrip or Certificates of profits redeemed in cash, 529 65 

Commissions or brokerage, 23,471 43 

Salaries and fees, 16,776 47 

Taxes, , 4,023 04 

All other payments and expenses - 22,447 87 

Actual cash expenditures, $205,334 71 

VI MISCELLANEOUS. 

To Policyholders. 

Scrip dividends declared to date, 1 16,<>64 00 

Deduct amount redeemed in cash, : 113,692 00 

Balance of scrip dividends, 2.972 00 






KIKKMKN'.S rUND INSURANCE COMPANY 

I'd mi mn. m 
tying not more than one year to 

ran from a it, ; 00 

e th tn on* and do! more than three 

. i . from i 2,754,186 00 81,058 <)•; 

m ire th to thi i ran from 

1,568,780 00 1!'.' ' 

premiums, 18,000 00 21 28 

.'7 85 

the org miration of the Company 2.855,14 . 

ion of the Oompany ,807 16 

ch< ildera 842,500 00 

. owned by directors at date ,800 00 

ra and directors 10,600 00 

250,000 00 

Fire d [no inland,) 447,04!) 06 

tne, 4,415 52 

Losses paid 8,044 04. 



FIREMEN'S FUND [NSURANCE COMPANY, 

! ■ >, C\l. 
1 Bnaini 
I>. J. 9l Duknin, S<rret<iry. 

i Hartford, 



I. CAPITAL. 



II. 

han one 
yea 



146 . firemen's fund insurance company. 

Interest due on bond and mortgage loans, 1,563 78 

Value of the land mortgaged,.... 347,820 

Buildings, (insured for $89.200,) 121,150 

$468,970 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States bonds, reg., 145,000 00 153,700 00 

South Carolina bonds, 5,750 00 3,350 00 

Bank Stocks : — 

First Nat. Gold Bk. San Francisco, 13,300 00 12.635 00 



Total, $164,050 00 $169,685 00 169,685 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 
Nat. Gold Bk. & Trust Co. 16,500 00 12,375 00 8,450 00 

Savings & L. S., San Fran. 15,000 00 30,000 00 20.000 00 

California Powder Co...... 25,100 00 25,100 00 14,000 00 

" " .... 10,000 00 10,000 00 5,000 00 

El Dorado W. & D. G. M. 

Co., with approv. endor. 200,000 00 30,000 00 5,000 00 
First N. G. Bk. San Fran.. 10.000 00 9,500 00 6,000 00 



Total, $276,600 00 $110,975 00 $58,450 00 58,450 00 

Cash in Company's principal office, 4,608 68 

Cash deposited in Bank • 51,003 95 

Interest due and accrued on stocks, 583 70 

Interest due and accrued on collateral loans, 112,09 

Net premiums in due course of collection 45,258 45 

Bills receivable, 19,975 00 

Endorsed notes given in settlement of judgment for salvage on 

losses paid, 5,776 40 

All other property belonging to the Company, 970 16 

Advanced on real estate secured by terms of original mortg., 3,286 25 



Assets of the Company at their actual value, $738,637 46 

III. LIABILITIES. 

Losses adjusted and^unpaid, 2,301 95 

Losses reported and unadjusted 29.751 94 

Losses resisted, 4,000 00 



Total,... 36,053 89 

Deduct re-insurance 1,500 00 



Net amount paid for losses, 34,553 89 

Unearned premiums on fire risks, one year or less 191,501 87 

Unearned premiums on risks more than one year, 31,510 31 

Unearned premiums on unexpired marine risks, 48,491 87 

Amount of unearned premiums as computed above,.. 271,504 05 



firemen's FUND INSURANCE COMPANY. 117 



Oath d remaining unpaid. 

Marine bills payable, 

All other demands against the Company 



Total Liabilities ipital stork. 



Surplus beyond oapital 





19 


'J.V.i* 


15 




71 


167 




) 


129,170 


17 






Total liabilities inolnding oapital and surplus, $788,687 46 

IV. INCOME DUBING THE YEAR 

Kir--. Marine. 

Premioms] ah $486,250 f> 4 £n<;,028 32 

Deduct re-insui 

ad return premiums, 69,721 70 '-"•>. 216 :):> 



ahpremiums *tl<;,.V_'S 84 >-7.:;i 1 i'7 ;>o3.s40 81 

Bills and n ed for prema., 3 1<> 19,786 90 

From interest on loans and dividends <>u stocks and bonds 28,2 

From all other L'<>.<;:;;; io 



: aal ea-h income. S">.>2,71 1 [)G 

V. EXPENDITUSES DURING THE YEAR. 

Fire. Marine. 
Amount paid f o niclud. $81,- 

Kmrring in pn |223,436 <:4 $96,820 90 

Deduct re-insurance 12,904 99 81,636 73 



amount paid for losses, 210,631 66 66,191 17 275,71 

Cash dividends (it;.: 

Commissions or brokerage, 67,4 

8alaries and fees 40,700 00 

9,242 ll 

G8,<; 

Actual cash expenditures, $618,662 '.'4 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from dat 26,6( 383,003 84 

Having more than one and not more than three 

years to run ft I L.668 00 

Having more th ui to run from date of 

poh ;• 



• 7)1 00 451,45 

Mar urns. 

101 81 
Los soo paid since th 
Cash 



148 FIRST NATIONAL FIRE INSURANCE COMPANY. 

Stock owned by directors at date, 44,400 00 

Loaned to officers and directors, secured by collaterals, 22,450 00 

Loaned to stockholders not officers, secured by collaterals, 5,000 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 531,773 16 

Premiums received on same, 7,008 21 

Losses paid, ;. 1,200 07 



FIRST NATIONAL FIRE INSURANCE COMPANY, 

Worcester, Mass. 

Commenced Business, January, 1869. 

Chas. B. Pratt, President. R. James Talman, Secretary. 

Attorney in Connecticut. Silas Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 166,925 00 

Interest due and accrued oh bond and mortgage loans, 3,053 32 

Value of the land mortgaged, > o 7 r qqq 

Buildings, (insured for $108,230.00) i 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States bonds, .-. 1,000 00 1,044 88 

Municipal Bonds : — 

City of Worcester, 3,500 00 3,902 50 

" Springfield, 6,000 00 7,080 00 

" New London,, 10,000 00 11,075 00 

Railroad Bonds : — 

Worcester & Nashua,..,. , 500 00 492 50 



Fii ' i. KIKK INSl 1: av.'K COMPAM 

II 00 
00 



■•. i"! 88 

Par Value. Mark' I EiOAMd 

a Via. K. I • '<> i 00 415 60 

600 00 •'■' 

nk ".Mi 400 00 

2,600 00 

Bank, W or* Bter, 10,000 <><> 14,600 00 ] i. « 

17.4(H) 00 16,1 



Total. ,772 76 83,365 50 165 50 

principal office >2 M 

in bank 

326 00 

.: iteral Loans 28 1 66 

oiuma in due oonrae of ooUeetion 26 61 

Assets of the Company at their actual value 82 66 



III. LIABILITIES. 

.sted and unpaid 915 00 

unadjusted 

2,800 00 

f anpaid loaaei il\ 

iaka more than one /ear, . . 20,444 1)8 

\g us odmpnted 

I 72 



I i; 

200,( 





Total Habilitiea, including capital an 



IV. r.\i: 

Premi'.- 

irn 
pren 



Actual cash premiums. 



150 FIRST NATIONAL FIRE- INSURANCE COMPANY. 

From interest on bonds and mortgages, 1 1,041 22 

From interest on loans and dividends on stocks and bonds, 5,79!) 93 

Actual cash income, $132,765 78 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $4,531.65 occurring in pre- 
vious years), , 63,049 26 

Cash dividends, (stock dividends paid in cash, $50,000 00) 15,000 00 

Commissions or brokerage , 18,923 43 

Salaries and fees, 5,2(!6 66 

Taxes 3,627 60 

All other payments and expenses, 8,147 00 

Actual cash expenditures, $114,013 95 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run from date of policy, 6,104,394 00 91,669 06 

Having more than one and not more than three 

years to run from date of policy. 1,286,224 00 19,529 25 

Having more than three years to run from date 

of policy, 1,325,929 00 19,697 17 



8,716,547 00 130,895 48 

Premiums received since the organization of the Company 1,089,092 00 

Losses paid since the Company organized, 666;816 69 

Cash dividends paid stockholders, 56,000 00 

Stock owned by directors at date, 68,200 00 

Loaned to officers and directors, 52,000 00 

Stock dividends declared, 50,000 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 165,553 00 

Premiums received on same, , 2,755 74 

Losses paid, 3,983 67 



FRANKLIN FIRM LN8UKANCE COMPANY. I . r » I 

FRANKLIN PIRE INSURANCE COMPANY, 

Piin.AM.i.rniA, PxHH. 
Oommeneed Business, Jane, 1829, 

'< nt. Thbodobj B >.. > an tary. 

Attorney in t tut, •'. W. Smith, Waterbury 



I. CAPITAL, 

Capital actually paid up in cash, 1 100,000 00 

II. ASSETS. 

estate owned by the Company unencumbered, 1 71,250 00 

I - on bond and mortgage (first liens) not more than one 

tdue 2,419,089 16 

Inter* L accraed on bond and mortgage,. t4,2i 

Value of buildings (ins. for $2,569,325.27,) $5,269,195 

Stock* and Bond* owned by the Company. 

Par Value. Market Value. 
I". S. an OOKS : — 

l". S. bonds, eonp. 1881 5,000 00 5,331 25 

Idem. 1881, reg 70,000 74,637 50 

" 5-SSO'a V..Vs.... 30,000 00 30,825 00 

u •■ 5-20 , B*67's t ... 105,000 00 110,643 75 

" " 10-40'fl 4o.o n 12,750 00 

te Warrants 16,000 00 12,750 00 

New Jersey, Exempl (0 00 00 

: »fl : — 

50,( 56,1 62 60 

•• Colombia B'a l« ,000 00 l L,< 00 00 

I lem. 7*a 00 5,260 I 

» c - I no 1,100 00 

! 

10,000 00 

; . i > it i ". 00 

15,000 

Commercial N 



152 



FRANKLIN FIRE INSURANCE CCMPANr. 



Miscellaneous : — 

American Steamship Co., .... 
Continental Hotel Co., pref. 



Par Value. 



10,000 00 
1,000 00 



Market Value. 

7,400 00 
1,280 00 



Total. 



$120,600 00 $136,205 00 

Loans on Collateral. 
Par Value. Market Value. Amt. Loaned. 



U. S. bonds 5-20's, 1867, 10,500 00 

Metropolitan Nat. Bk. Wash. 2,000 00 

Hestonville, M. & F. P. B.W. 15,000 00 

West Phildelaphia, P. B. Co. 4,500 00 

Pennsylvania B. B. Co., 1,800 00 

New Jersey Exempts, 1,000 00- 

Harrisburg, P. L. & Mt. Joy 2,000 00 

Westchester & Phil. B. B.,.. 2,000 00 

C&tawissa B. B. Co., 1,000 00 



11,064 37 

2,200 00 

13,200 00 

5,850 00 

1,188 00 

1,100 00 J 

2,100 00 [ 



9,475 00 

1,700 00 

12,000 00 

5,150 00 

850 00 



2,260 00 
1,060 06 j 



y 5,000 oo 



436,205 00 



Total. 



$30,800 00 $40,022 37 $34,175 00 34,175 00 



Cash in Company's principal office, 

Cash deposited in banlj, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, , 

Amount of cash in hands of agents in coui'se of transmission, 
All other property belonging to the Company, 



7,235 08 

203,015 73 

900 00 

510 96 

46,443 31 

356 25 



Assets of the Company at their actual value, $3,363,445 74 



III. LIABILITIES. 

Losses adjusted and unpaid, $54 869 88 

Losses reported and unadjusted, 27.212 31 

Net amount of unpaid losses, 

Unearned premiums on fire risks, one year or less, 278,603 85 

Unearned premiums on risks more than one year, 292,747 04 



Amount of unearned premiums as computed above 

Amount reclaimable by the insured on perpetual fire policies, 

Cash dividends to stockholders remaining unpaid, 

All other demands against the Company, 



82,082 19 



571.350 89 

1,454,357 31 

576 00 

3,640 00 



Total liabilities, except capital stock, 2,112,006 39 

Capital stock,.. 400,000 00 

Surplus beyond capital, 851,439 35 



Total liabilities, including capital and surplus,. 



563,445 74 



IV. INCOME DUBING THE YEAB. 

Premiums received in cash 835,752 74 

Deduct re-insurance, rebate, abatements and return 

premiums, 97,042 50 



Actual oash premiums, . 



738,110 24 



FRANKLIN HKK LN8UKA* Ml'ANV. 

From interest on bonda and m | ,101 <>4 

tna and dividends on atooka and bonda 25, 1 E 

From all other ll t 0( 

leaa LOp, a from perpeptnal nsks, $64, 546 

918, 7J 



V. EXPENDITUEES DIKING THE TEAS. 

imoontpeid f or looaaa 894,888 92 

l.i 128,859 00 

Com-. r brokerage 112,978 94 

82 71 

Taxe^ 86, r 

AD other paymenta and expenses 129,627 85 

Deposit prema. retnrned on perpetual tire risks $54,816 o<; 

Actual cash expenditures >»7,.M;; Hi 



VI. MISCELLANEOUS. 



Premiums. 



in force having not more than one year to 

run from date of policy 4<5,4lO,826 00 557,207 70 

Having more than one and not more than three 

run from date of policy 19,688,686 00 259,327 98 

Having more than three years to run from date of 

, 21,648,276 00 841,1 

Perpetual risks in force and interest premiums, ... 61,475,890 00 1,555,657 98 

149,178,678 00 2,718,256 67 

dums received since the organization of the Company 19,1 W,91 

Losses paid since the organization of the Company, 10,758,678 51 

dividends paid stockholders 8,580,000 00 

Stock owned by directors at data 00 00 

Loaned to stockholders not ofioera 7,250 00 

Butinmt s 77. 

Fire n, (no inland 2,290,694 67 

pnaame 26,1 

Losses paid 



154 GERMAN AMERICAN INSURANCE COMPANY. 



GERMAN AMERICAN INSURANCE COMPANY, 

New Yokk City. 
Commenced Business, March 7th, 1872. 
Emil Oelbermann, President. James A. Silvey, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, t ... $1,000,000 00 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. 4's. leg., 100,000 00 101.500 00 

11 4^'s, reg 110,000 00 114,000 00 

" 5's, coupon, 10-40's, 15,000 00 16,050 00 

" 5's, reg. 10-40's, 40,000 00 42,800 00 

" 6's, reg. 1867, 100,000 00 105,500 00 

" 6's, coupon, 1867, 100,000 00 105,500 00 

1865, 25,000 00 25,500 00 

" 6's, reg. 1881, 600,000 00 610,500 00 

" " currency, 160,000 00 191,000 00 

Missouri 6's, ' 50,000 00 52,500 00 

Municipal Bonds : — 

Rochester City 7's, Water loans,.. 40,000 00 44,000 00 

Buffalo City 7's 25,000 00 27,500 00 

Yonkers City 7's, 21,000 00 23,100 00 

Railroad Bonds : — 

Central Pacific 1st mtg. gold, 50,000 00 52,500 00 

Union Pacific " " .... 50,000 00 52,250 00 . 

Chicago, R. I., & Pac. 1st mtg. 6's, 50,000 00 53,000 00 

New York Central, 1883, 6's, 50,000 00 52,000 00 

Syracuse, B. & N. Y., 1st mtg. 7's 20,000 00 20,000 00 

Del. Lack. & Western, conv, 7's,. 8,000 00 8,000 00 
Railroad Stocks : — 

New York & Harlem, 50,000 00 71,000 00 

Total, $1,664,000 00 $1,798,200 00 1,798,200 00 



(I (II) 



HAN IMKKICAN INSURANCE COMPANY. 

' oltateral. 

Ami. Loam d. 

00 l.">.7.".<> 00 12.0(H) (mi 

00 I..". ■"' 00 I. .'• it no 

H ~ inn 001 

,000 00 3,86 i ' 

7,000 00 

■ i 12,15 i 

' :' 81,000 "(i ' 

50,00Q (Ml 

15,000 00 16,687 - 10,000 00 

Unite - - 001 

00 6,187 00 I 

:. P. K. K. ;--. ml | 8 20,9 m I ,M) - {Hn) °° 

Buffalo City boadfl ' 00 

16,000 00 16,8 

M 10-40*8 l,ooooo 1,070 oo> 80,( in 

15,000 00 16,500 "ii) 



Total. | 16,200 <"> 286,200 00 

2,4SM 

167,991 "1 

s premiums in d of oolleotion 69,819. i'i 



A- i uul value (2,324,74 

III. LIAiaLlll: 

id 25,232 B2 

: adjustment, 63 256 82 

10,766 18 



Total 99,255 77 

Deduct re-in^ L'7 oo 



99,228 77 

linear- me year or I 7 1 

Unea:: tfa in one year 14 

■ 

18,761 98 



.1 lisbiHtti i ^ 

I,000,( 

Surplu- I 



• •.! liability 

i in: vi:m;.- 

i 



■ 



156 GERMAN AMERICAN INSURANCE COMPANY. 

From interest on loans and dividends on stocks and bonds, 115,618 41 



Actual cash income, $1,048,668 01 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $51,207.73 occur- 
ring in previous years), 425,200 26 

Deduct re-insurance and salvages 8,647 82 



Net amount paid for losses, 416,552 44 

Cash dividends, ! 100,000 00 

Paid for commissions and brokerage, 139.354 21 

Paid or allowed for salaries, fees, &c.,... 94,620 77 

Paid for taxes, 24,808 77 

All other payments and expenses, 98,645 18 



Actual cash expenditures, $873,981 3' 



VI. MISCELLANEOUS. 



Premiums'. 



Risks in force having not more than one year to- 
run from date of policy, 82,626,087 00 768,037 49 

Having more than one and not more than three 

years to run from date of policy 16,168,206 00 172,624 39 

Having more than three years to run from date of 

policy, 7,792,679 00 89,007 42 

106,586,972 00 1,029,669 30 

Premiums received since the organization of the Company, 5,420,798 47 

Losses paid since the organization of the Company, 2,229,570 54 

Cash dividends paid 'stockholders, 440,000 00 

Stock owned by directors at date, . » 298,100 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 1,895,741 00 

Premiums received on same, 21,917 07 

Losses paid, 15,226 59 



GKRMAN1A FIRE [N8UHANCK COMPANY. 



GERMANIA FIRK INSURANCE COMPANY, 

. 7ori Oi 

Commenced Business, March, 1859. 

U at. Buoo BchumaIw, Secretary. 

Attorney in ( 6, Silas Ckatman, -Ik.. Sartford. 



I. CAPITAL, 

"Killy paid up in eaab $600,000 00 

1L ASSETS. 

• owned bj the Company, unencumbered, 60,8J 

Loans on bond and mortgage, i, tir.^t liens;, not more than one 

terest due. 548,500 00 

- on bond and D first lien- in <>ne year's 

interest due, (oi which $12,000*00 is in process of foreolosnre), 12,0 

Interest due an on bond and mortgage loans SO <><> 

Value of the land mortgaged, $533,600 

Buildings for $542,150J (;:>7.'_'oo 

$1,190,8 

Stork* and Be tned by the Company. 

Pat Value. Market Value. 

U. S ''-1'i's reg.,'64, .Vs.. 400,000 00 42< 

25,000 00 

95,962 50 
5-20's 

:,s: — 

18, 

•> 00 

•• 3 6,210 

•• ' 15,90 

21,000 
•• 

(id 
■• 

Kit 

— 



:< 



58 



GERMANIA FIRE INSURANCE COMPANY. 



Loans on Collateral. 



Nat. State Bk.. Eliza., N.J. 
Sterling Fire Ins. Co , N.Y. 

XJ. S. Express Co., 

Western Union Tel. Co., , 

German ia Life Ins. Co., 

First Nat. Bk., Jersey City. 
Gallatin Nat, Bank, N. Y.,. 

Merchants Nat. Bank, 

N. Y. Life and Trust Co.,... 

North River Ins. Co., 

U. S. Fire Ins. Co., 

First Nat, Bk. , Jersey City, , 

Peoples Bank, N. Y., 

N. Y. Central 11. R., 

U. S. 5-20's 1867, coupon,... 



Brooklyn Per. Water Loan, 
N. Y. & Harlem R. R, con. 
Germania Life Ins, Co., ... 
U. S. 10-40's 1864, reg., 



Par Value. 
16,400 00 

2.000 00 

1,500 00 

700 00 

2,000 00 

5,800 00 

2,600 00 

5,000 00 

. 4,000 00 

4,450 00 

750 do 

4,000 00 

1,000 00 

.8,000 00 
4,500 00 
3,000 00 
5.000 00 
6,000 00 
7,500 00 

10,000 00 



A.mt. Loaned. 
14,500 00 

1.000 00 

6,000 00 



Market Value, 

16,400 00 ^ 

2,000 00 J 

705 00) 

532 00) 

2,300 00) 

5,800 001 

3,042 00^) 

5,800 00 J 

10,000 00 '} 15,000 00 

5, 1 25 00 | 

1,162 50 j 

4,000 00 1 



8,135 00 



7,031 25 f 30 ' 000 00 
5,200 00 
7,080 00 
8,625 00 J 
10,675 00 0,600 00 



Total, $89,200 00 $1)9,512 75 $76,100 00 



Cash in Company's principal office, 

Cash deposited in bank, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans,... 

Net premiums in due course of collection, 

All other property belonging to the Company, . 



76,100 00 

12.764 31 

72.765 31 
2,941 66 
1,404 46 

74,50(5 50 
9,700 00 



Assets of the Company at their actual value, $1,631,820 79 



III. LIABILITIES. 

Losses adjusted and unpaid, 11,512 60 

Losses reported and unadjusted, 19,178 66 

Losses resisted, -. 38,008 11 



Net amount of unpaid losses, 

Unearned premiums on fire risks, one year or less, . 
Unearned premiums on risks more than one'year, .. 



j289,847.()5 
120,235 69 



Amount of unearned premiums as computed above, 



Total liabilities except capital stock, . 

Capital stock, 

Surplus beyond capital, 



68,699 43 



410.082 74 

478,782 17 
500,000 00 
653,038 62 



Total liabilities including capital and surplus, $1,631,820 79 



GERM lh 159 

iv. I ri 1 1: \ 

Dd 

Mil 

7-'. 17" (»'_> 

310 01 

252 II 

i dividends <»i. Btooka and bonds 



v. \i> ! DURING BAB. 

inolnding $45,465.63 oocuf- 
ring in previous years,) 46 

11,242 

Net amount paid for losses 327,178 18 

000 0(1 

116,8 

B I fees 71.: 



106,71 1 29 



Actual cash expenditures 



VI. MISCELLANEOUS. 



Premiums. 



• more than one year to 

run from date of policy »2 00 579,694 11 

■ re than one and not more than three 

m date of policy, 12,192,274/00 154,148 94 

to run from d ate of 
5,291,91 



816,015 1 1 

i received c rganiiation of the Company 10,148,00' 

: •• Company I. - 

00 

1 17,1 







I 
i I. i 
l.l' 



160 



GIKAKD F. AND M. INSURANCE COMPANY. 



GIRARD FIRE AND MARINE INSURANCE COMPANY, 

Philadelphia, Pa. 

Commenced Business, May, 1853. 

Alfred S Gillet, President. Philander C. Royce, Secretary. 

Attorney in Connecticut, Ralph Gillett, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $300,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 275,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 386,866 65 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, 4,000 00 

Interest due and accrued on bond and mortgage loans, 9,475 87 

Value of the land and buildings mortgaged, , 1,008,950 

Buildings, (insured for $345, 750. 00) 



$1,008,950 



Stocks and Bonds 

U. 8, Stocks : — 

United States Bonds, 

Municipal Bonds : — 

City of Philadelphia loan, 

" Louisville " 

" St. Louis " 

Railroad Bonds :-- 

Union Pacific, 

Pennsylvania, 

Danville, Hazelton & Wilkesbarre 

Camden & Amboy, 

Connecting, 

Philadelphia & Reading, 

North Pennsylvania, 

Lancaster & Reading, 

Lehigh Navigation Co. , 

Susquehanna Coal Co., 

Philadelphia & Erie, 



owned by the Company. 
Par Value. Market Value. 

142.000 00 150,715 00 

17,800 00 19,936 00 

10,000 00 10,000 00 

10,000 00 10,500 00 



5,000 00 
18,000 00 
20,000 00 
17,000 00 
10,000 00 
5,000 00 
5,000 00 
10,000 00 
11,000 00 
3.000 00 
15.000 00 



5,350 00 
19,565 00 
10,000 00 
18,150 00 
10,000 00 

2,850 00 

5.550 00 
10,000 00 
11,220 00 

2,100 00 
15,250 00 



OIKAKU !'. AND M. IN8URANOE COMPANY. H>1 

Pat Value. Market Value. 

: — 

20,0( » ' <"' 

Phila., Wilmu tltimore,, 2,600 - <i<> 

•- : — 

' 00 

00 1818,811 00 813,811 00 



ml. 

Parvalae. Market value. Ami Loaned. 

P Bjh nia EL B 1,000 00 660 00 850 00 860 00 

8,600 00 

Temporary loan secured by personal security. (8,000 00 

ny*s prinoipal offioe 2,601 77 

sited in Bank 63,178 \:\ 

882 80 

in ins in due i ourse of eoUeetion 80,858 86 

All other property belonging to the Company, 58 44 



apany at their actual value, $1,098,678 82 



III. LIABILITIES. 

mount of unpaid losses 21,410 <>4 

liums on fire risks, one year or less,... 182,881 62 
Unearned premiums <>n ri>ks more than one year..... 1 1 ."* . f ; l ; '. ■ 



1 premium 3 as computed above 248,461 27 

on perpetual policies <;::.• 

Due and accrued for ] . • :• 

All other demands against the Company 12, :»!':• 07 



t capita] Btook ::t;.; 

Capital stock 

A 16,1 



and surplus 



IV. ' I THE VKAK. 

B60, 12 I 

turn 




Actual cash : |S78,40l 49 

21 



162 GIRAKD F. AND M. INSURANCE COMPANY. 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $44,027. 09 occurring in pre- 
vious years), 166,751 58 

Cash dividends, 75,000 00 

Commissions or brokerage, 50,406 07 

Salaries and fees, 30,241 44 

Taxes 15,324 23 

All other payments and expenses, 22,264 43 

Deposit premiums returned on perpetual risks, $1,940.85 



VI. MISCELLANEOUS. 



Actual cash expenditures, $365,988 35 



Premiums. 



Risks in force having not more than one year 

to run from date of policy, 27,918,390 00 265.663 04 

Having more than one and not more than three 

years to run from date of policy, '10,724,919 00 150,290 80 

Having more than three years to run from date of 

policy, 2,498,550 00 65,364 00 

Perpetual risks in force, 2,768,233 00 73,776 79 



$43,910,092 00 555.094 63 

Premiums received since the organization of the Company, 4,365,729 00 

Losses paid since the organization of the Company, 1,845,030 58 

Cash dividends paid stockholders, 523,331 00 

Stock owned by directors at date, 99,600 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland), 943,100 00 

Premiums received,. 8,741 39 

Losses paid, 2,897 21 



HANOVKK FIKK 1NSUKANCK COMPANY. 



163 



HANOVEK PIKE [NSURANCK COMPANY, 

. i Y. 

Oommenoed Bosinees, April, 1852. 
min S. WAliOOTT, /' JChj ! Secretary. 

.["■:'■ 't, Silas Chavmax, .Ik., Hartford. 



I. CAPITAL 

Capital actually paid up in cash $500,000 00 



II. ASSETS. 

Reel estate owned by the Company uueucuxnbered 

Loar. rtgage, (first liens,) not more than one 



2,725 'J 5 



dne 




24 0.7 Mi ("i 


-: eocraed on bond and mortga 
Value of the lauds morl 


ge loans 


1,:)' 

.. 202,606 oo 


Buildiugs. (insured for $2 


by the 

Par Value. 

20,1 
60,000 oo 

I 

<) OM 


.lino oo 


Stocks and Bonds o 

- and State Stocks:— 
U. - . rag 

•■ 6*8, i '.:--• y. reg 



coupons 

:■ g 


$601,600 00 
Company, 

Market Value. 

21,8* 
60,01 i 

4 •_'•_'.<!' OO 

16,84 





.) 00 


•• i I'b, res., 


5 oo 


Conr. 

N. V. 


21,400 00 


a-ssint. fund 


oo 


•• 1 ■ pot. 
I' .'lie P.irk L. I*.»i7.... 




1 





164 HANOVEK FIKE INSURANCE COMPANY. 

Par Value. Market Value. 
Bank Stocks : — 

Metropolitan National, 7,500 00 9.750 00 

American Exchange, 15,000 00 15,000 00 

MlSCELL, NEOTJS : — 

Central Trust Co., 10,000 00 10,750 00 



Total $1,088,500 00 $1,156,008 75 1,156,008 75 

Loans on Collateral. 

Par Value. Market Value. Arat. Loaned. 

Union P. R. R. 1st mtg 20,000 00 21.475 00) 

North National Bank, 12,000 00 6,250 00) 

United States Trust Co., 1,000 00 3,500 00 2 650 00 

Metropolitan Nat. Bank, 15,000 00 10,500 00 15,000 00 

Hanover Nat. Bank^ 2,500 00 2,500 00 1,500 00 

Fifth Avenue Bank, ..;. 1,000 00 2.205 00 1,600 00 



20,000 00 



Total, $52,000 00 $55,430 00 $40,750 00 40,750 00 

Cash in Company's principal office, 12,267 02 

Cash deposited in Bank, , 70,186 85 

Interest due and accrued on stocks 3,043 34 

Interest due and accrued on collateral loans, 1!)] f?3 

Gross premiums in due course of collection, 85,377 57 

Premiums unpaid on policies which have been issued more than 

three months, $1,172 01 

Balance in hands of agents more than three months due, 0,073 54 



Assets of the Company at their actual value, $1,621,608 48 

III. LIABILITIES. 

Losses adjusted and unpaid, 30,411 57 

Losses reported 'and unadjusted, 18,058 66 

Losses resisted, : 37,208 11 

Net amount of unpaid losses, 85,678 34 

Unearned premiums on fire risks, one year or less, 280,711 32 

Unearned premiums on risks more than one year 102,381 26 

Amount of unearned premiums as computed above 473,002 58 

Ail other demands against the Company, 0,520 40 



Total liabilities, except capital stock, 568,300 41 

Capital stock, : 500,000 00 

Surplus beyond capital, 553,308 07 

Total liabilities, including capital and surplus,....., $1,621,608 48 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 784,876 36 

Deduct re-insurance, rebate, abatements and return 

premiums, 72,275 13 



Actual cash premiums, , 712,601 2' 



haxovbk pirk in8ukanck company. 

17.';::: lm 

Its an. I kx adi 

$801, 191 85 

V. EXPENDITUBES DURING THE S BAB. 

Amount paid for 0,460.48 ooonr- 

887,880 B8 

Jvage and re-insoranoo, 10,787 n 

876,1 

60,000 00 

riaaiona or brokerage 116,1 

46,9 

17.7M BG 

All other paymenta and axpeneee 180.2 

ish expenditures, (787,646 05 

VI. MISCELLANEOl - 

Premium* 
in force having not mora than one year to 

ran from date of policy 29,414 00 561,422 64 

»re th.ui one and not more than three 

ran from 20,400,857 00 228,840 90 

a >re than three years to run from date of 

policy 11,087,916 00 154,892 14 



517,687 00 989,1 

Premiums received since the organization of the Company 66 81 

> organization of the Company 4,651,824 12 

holders 834,f 

Stock own* itoraatdate 149,5 

Stocl: 100,000 00 

Loaaed to officers and directors - 20,000 00 

Buiim m "i i in 1 ^77. 

1,686,698 1 B 

me, 

Loaaea paid :;,i. 



163 HOFFMAN FIKE INSURANCE COMPANY. 



HOFFMAN FIRE INSURANCE COMPANY, 

New York City. 

Commenced Business, May, 18G4. 

M. F. Hodges, President. John D. Macintyre, Secretary. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford, 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due. 171,493 00 

Interest due on bond and mortgage loaus, 3,990 69 

Value of the lands mortgaged, 154,800 00 

Buildings (insured for $132,500.00), 197,500 00 

352,300 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 10-40's, registered, 30,000 00 31,650 00 

" 6's, 1881, " 25,000 00 20,687 50 

" 5-20's, 1867, " 35,000 00 36,925 00 

" 6's, '65, new " . 10,000 00 10,300 00 

" 6's, 1865, coupon, 10,000 00 10,275 00 

Bank Stocks : — 

National Bank of Commerce, 5,000 00 6,000 00 

Am erican^Exchange National, 20,000 00 21,100 00 

Bank of the Metropolis, 10,000 00 8,500 00 

Railroad Bonds : — 

N. Y. Central & Hudson Eiver,... 20,000 00 21,300 00 



Total, $165,000 00 $172,737 50 172,737 5o 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Bank of New York 1,300 00 1,625 00 1,250 00 

Star Fire Ins. Co., 2,900 00 3,480 00 1,800 00 

» 2,000 00 2,400 00 1,000 00 



?otal, $,6,200 00 $7,505 00 $4,050 00 4,050 00 



HOFFMAN FIRE INSUHANCK COMPANY. L67 



•u'ip.ii offlee 

Oaah deposited in hanks, 



)t dae aii.l ! loans. 

iums in dae oouree of oollection, 



1,098 






11 


400 




l II 


7'. 


10,115 





of the Company at kheix totnal value $877,845 27 



in. Li.um.rn; 

: and unpaid, 2,749 

krted and anadjasted 5,080 BO 

rat of unpaid losses T,7 v n 18 

irned premioms on fire risks, oi 'less 61,804 17 

.■mis on risks more than .... 9,080 

dams on inland navigation risks.. £88 

Amount of unearned premiums as computed above, 7".t',7 - _' 90 

All other demands against the Company 686 18 

Total liability .1 stock 79;i 

200,( 00 00 

Sur. ad capital 98,256 <»i 

Total liabilities, including capital and surplus 15 27 



IV. INCOME DURING THE VI.Ai:. 

Inland. 

Premiums received in cash, 148,167 00 757 50 

Deduct re-ii aenta 

and return premium- : 18,883 26 



Actual cash premiums 129,788 7.", 757 50 130,541 25 

From interest on bu: 10,975 48 

From interest on loans and dividends on stocks and bonds, 9,654 48 



cash income, $151,171 1 6 



v. EXPENDITUBES DUBING THE YKAi: 

rid. 
Amount paid 1 $8,- 

Deduct salvages and reinsurance, 1,559 15 

■ amount p "7. 7 

Cash dividends 
Commissions or brokerage 



I(i8 



HOFFMAN FJKrC INSURANCE COMPANY 



Salaries, fees, and other office and agency expenses, 

Taxes : 

All other payments and expenses, 



Actual cash expenditures,. 



20,940 00 

4,285 03 

16,125 28 

161,361 94 



VI. MISCELLANEOUS. 

Premiums. 
.Risks in force having not more than one year to 

run from date of policy, $13,039,743 00 122,608 30 

Having more than one and not more than three 

years to run from date of policy. 855,799 00 12,760 45 

Having more than three years to run from date of 

of policy, 181,708 00 2.841 05 

14,077,250 00 138.209 80 

Inland. Premiums. 

14,000 00 577 50 

Premiums received since the organization of the Company, 1,822,929 J 7 

Losses paid since the organization of the Coinpauy, 1,174,3">9 05 

Cash dividends paid stockholders, 110,000 00 

Stock owned by directors at date, 77,950 00 

Loaned to officers and directors, 1,250 00 



Business in Connecticut in 1877. 



Fire risks taken, (no inland),. 
Premiums received on same,. 
Losses paid, 



453,603 33 
5,435 54 
4,916 21 



HOME INSURANCE COMPANY. 169 



HOME INSURANCE COMPANY, 

.UK. X. J. 

Commenced Business. July 1. 181 
V\'m. R kbothax, Vvii. i\. Freeman, Secretary. 

At! \n Connecticut, 0. W. Preston, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash $200,000 00 

II. ASsET>. 

Real Estate owned 1 P* n J unencumbered 

(first liens i >re than one 

76,025 00 

and mortgage, (first liens j more than one year's 
interest due. (of whi h $6,000.00 is in process of fore-losure. ) 20,700 00 

Interest due ar. I >n bond and mortgage loans. 8,446 67 

' -he land mortgaged $161,610 00 

Buildings, (insured for - 115.000 00 

r6,5l0 00 

Stocks a- >wned by the Company. 

Par Value. Market Value. 

U. B. Bl 

-'ates Bonds, 1807 60,000 00 52,626 00 

2.000 00 2,240 00 

Newark C 00 1.110 00 

1,482 

: — 

Qo 1<V<» I f0 

Mont Mr •• I 00 



Total, 00 

22 



170 



HOME INSURANCE COMPANY. 



American Trust Co., 

Trenton Gas Light Co.,. 



Loans on Collateral. 

Par Value. Market Value. Amr. Loaned. 

7,500 00 3;750 00 1,500 00 

1,080 00 1.29(5 00 000 00 



Total, $8,580 00 $5,046 00 $2,100 00 

Cash in Company's principal office, 

Cash deposited in Bank, 

Interest due and accrued on stocks, 

Gross premiums in due course of collection, 



Assets of the Company at their actual value, . 



2,100 00 

1,075 85 

10,394 81 

187 00 

16,898 1)3 



1281,608 07 



III. LIABILITIES. 

Losses adjusted and unpaid 11,688 06 

Losses reported and unadjusted, 045 00 



Net amount paid for losses, 

Unearned premiums on fire risks, one year or less. 
Unearned premiums on risks more than one year, 
Unearned premiums on unexpired marine risks,... 



28,252 05 

4,181 34 

13,002 97 



Amount of unearned premiums as computed above, 

Due and accrued for salaries, rent, &c 

Due and to become due for borrowed money, 

All other demands against the Company, 



Total liabilities except capital stock, . 

Capital stock, 

Surplus beyond capital 



Total liabilities including capital and surplus,, 



12,333 06 



45,436 36 

633 02 

20.000 00 

1,053 71 

79,450 15 

200,000 00 

2.151 92 



,608 07 



IV. INCOME DURING THE YEAR 



Premiums received in cash, 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 



Fire. 
178,108 11 

15,672 55 
(52,435 56 



Marine. 
$67,012 5i 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds 



387 83 
$ 66,624 72 



129,06) 28 
6,503 58 
6,356 78 



Actual cash income, $141,920 04 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount paid for losses (includ. $6,- 

421.28 occurring in previous years), $37,217 13 
Deduct re-insurance, 32 37 



Net amount paid for losses, 



37,134 76 49,650 23. 



86,834 99 



BOMB INSUKAB MPANY 



171 



Ci<di dividenK ll.diMi do 

:'(> 14 

Bala I) 00 

i ; 

AH other payments and i i 11,823 61 

rpenditnrea $141,096 24 



VI. MISCELLANEOUS 

wing not more than one year to 

run from date of polioj .V»7.">.0(J8 00 

. n one and not more than tl. 
in from date of polioj 411,172 <>o 

g more thin thl to run from date of 
policy, 187,250 00 



6,178 490 00 

Man lie. 

Premiums received since the 01 « of the Company 

i I since the org mil it ion <>f the Oompanj 

dividends paid stockholders 

ned hy (tireetorn at date 

•:d to officers and directors 



Prom! 
65,604 09 

10 G-' 
2,281 70 



62,686 11 
Premioma 

18,002 97 
812,797 18 
141,590 66 

62,000 o(» 

91,200 00 
1,500 00 



Fire risks taken, (no inland), 

inms reoeii 

Losses paid, 



36 17 
8,456 40 
6.010 ">1 



172 HOME INSURANCE COMPANY. 



HOME INSURANCE COMPANY, 

New York City. 

Commenced Business, April 13th, 1853. 

Charles J. Martin, President. Josn H. Washburn, Secretary. 

Attorney in Connecticut,^ -a. E. Baker, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $3,000,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 12,500 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 2,016,903 00 

Interest due and accrued on bond and mortgage loans, 57,268 54 

Value of the land mortgaged, 2. 342,100 

Buildings; (insured for $1,530.000,) 1,956,100 

$4,298,200 

Stocks and Bonds oicned by the Cvmpany. 

Par Value. Market Value. 
TJ. S. and State Stocks : — 

U. S. bonds 6's, 1881, 200,000 00 213.250 00 

;i 10-40's, 100,000 00 106.500 00 

'• 5-20's, 1867, 300.000 00 316,125 00 

5-20's, 1865, JSOO.O'iO 00 30S.2M) 00 

" 5's, 1881, 1,400.000 00 1.475,250 00 

" 6's, currency bonds,.. 500,000 00 51)7,500 00 

Mississippi Treasury Warrants,... 20,000 00 20,000 00 

Municipal Bosds : — 

New York City 6's, 1879, 52,800 00 53.328 00 

Brooklyn certificates of indebted. 50,000 00 51,500 00 

Bakk Stocks : — 

American Exchange Nat, N. Y.... 20,000 00 21,100 00 

Hanover " .... 10,0)0 00 10,100 00 

Fourth " .... 8,000 00 7,840 00 

St. Nicholas " .... 25,000 00 20,000 00 

Metropolitan " .... 22.500 00 28,125 00 

Merchants Exchange " .... 15,000 00 12,000 00 

'-lercantila 20,000 00 10,000 0? 



HOME !\Y\Y. 173 

M..rkr! Value. 

Importerf V... 10,006 oo 19,1 1 

■■ 

i .. S ,l . 17. (i no 

. N V 10,1 00 I 12,5 

N.Y. 00 i 00 

N. Y 20,00 ' 00 27,» 

mpany, N*. Y.. LO >0 00 

Unit - K 85,000 00 

Total | 



Par Value. Mark >.t. Loaned. 

ink,.... 2,000 00 1,600 00 1,400 00 

Contiuei. ll 1,000 00 525 O0 3.">0 00 

U. 8 5,000 00 75) - 00000 

do Oo 

.'. Bank,.. 00 28,0 25.030 00 

°° -'" >1 ^30 00 

- N it Bank 2.000 00 1,600 OoJ 

1,51)0 I 1,515 o l.( 00 00 

X Y. <".:;. .V II EL EL K... 2,700 00 

.. X. Y 2, 2 750 'i » \ 

N. Y. '-::. ft Had. EL li.ll. | 00 

Lon- : ok 20, 21,507 ) 00 

Fulton Bank, Brooklyn S 

_ _ _ o.OOO 00 

Continental Insurance < 00 8,000 00) 

L. & ithern 11. B ,885 47 

F. J. . iTille EL EL, " ~. " 

O. & Norttmlle li. II 80,000 00 I5,i 

I Bank " 6,250 00 5,000 00 

00 
J Hank 5,000 00 I 00 

> 00 

•• ,2fi » 00 4,500 00 

M 12,816 00"] 

I 

roe B*nk 

P. A.. EL 

1 00 
the Republic. 

ttk,.. 2 I 00 

- 
City <>'. i oo 



174 HOME INSURANCE COMPANY. 

Par Value. Market Value. Amt. Loaned. 

Morris & Essex R. R. Co.,. 5,000 00 3,750 00 2,000 00 

City of B.iyonue Improve.,. 1,000 00 1,010 00 000 00 

U. S. 5-20's, 1807 2,500 00 2,7<>9 37) 

18(55, 1,000 00 1,053 75) 

Honesd.ile Nat. Bank, 700 00 910 00 500 00 

United States 5's, 188L. . . 1,000 00 1,053 75 500 00 

District of Columbia 3.05's. 75.000 00 50,025 00) 

Milwaukee & St. P. consol. 2,000 00 1,895 00) 



3,400 00 



50,000 00 



Total, $175,320 00 $427,098 G2 $31-4,215 47 314,215 47 

Cash deposited in bank 161,727 56 

Interest due and accrued on collateral loans, 7,943 85 

Net premiums in due course of collection, 113 075 33 



Assets of the Company at their actual value, $6,109,526 75 



III. LIABILITIES. 

Losses adjusted and unpaid, 35,596 79 

Losses reported and unadjusted, 179,558 60 

Losses resisted, 44.066 07 

Total, 259,221 46 

Deduct re-insurance, 4,825 04 



Net amount of unpaid losses, 254,396 42 

Unearned premiums on fire risks, one year or less,... 932,222 00 
Unearned premiums on risks more than one year, 904,210 31 

Amount of uuearned premiums as computed above, 1,836,432 31 

Cash dividends to stockholders remaining unpaid, 1,995 00 



Total liabilities except capital stock, 2,092,823 73 

Capital stock, 3,000,000 00 

Surplus beyond capital, 1,016,703 02 



Total liabilities including capital and surplus, $6,109,526 75 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 2,972,922 06 

Deduct re-insurance, rebate, abatements and return 

premiums, 241,383 89 

Actual cash premiums, 2,731,538 17 

From interest on bonds and mortgages, 134,105 78 

From interest on loans and dividends on stocks and bonds, 210,608 47 

Actual cash income. $3,076,252 42 



HOMI IN8URANCK COMPANY. 17.") 

v. EXPENDITURES DU&ING Tin: FEAR. 

Amount p^i.l foi 

earring in pn L,5A8.1A1 ' s 

and re-insaranoe 28,618 12 

N • . ' fni 1,524, fi! 

. • 



252,477 90 

i iC9 10 

All othor p 128 CO 



laloaah expenditures $2,8* 

VI 1419 VILLANEOUS. 

amp. 
Eurto 
run from 204,174,619 00 1,864,444 00 

• th U3 one an 1 n ■ » t move tlmn I 

- to ran from date <>f policy 912,J 

• than th: ran from 

21 no 

841 ! ' no 

>n of the Company 13,52 ,87(1 54 

ice the organization of the Company >l 74 

4,315,(1 



lirectora ill. 

lared 1 ,000,000 00 

Loan- Lotoffioera 4:;.i I 

I in L877. 

taken (no -.. ; 

received on same I fiO 

28, 190 17 



176 HOME INSURANCE OCMPANV. 



HOME INSURANCE COMPANY, 

Columbus, Ohio. 

Commenced Business, January, 1864. 

J. B. Hall, President. H. N. Henderson, Secretary. 

Attorney in Connecticut.}!. Bennett, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $250,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 34,500 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 77,271 82 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, (of whicn $6,606.19 is in process of foreclosure), 11,299 88 

Interest due and accrued on bond and mortgage loans, 12,1.04 81 

Value of the land mortgaged, 209.134 00 

Buikhilgs, (insured for $30. 600, 00) 57,106 00 

356,240 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States 10-4' i's, registered, . 73.900 00 79.800 00 

•' 5-20's, " 19,000 00 20,520 00 
Municipal Bonos : — 

Columbus City and Township, 13,480 00 13,980 00 

Railroad Bonds : — 

Columbus & Hocking Valley, 20,500 00 20,500 00 

Scioto Valley, 24,000 00 19,200 00 

Total $150,880 00 $154,000 00 154,000 00 

Loans on Collateral. 

' Par Value. Market Value. Arat. Loaned. 
Loans on Madison Nat.Bk. } 

London, O., & Citizens > 10,300 00 13,700 00 9,775 00 
Sav. Bk., Columbus;, O. ' 

Gov. Bonds, 10-40's, 500 00 540 00 260 66 

North Missouri R. R., 1,000 00 1,000 00 463 00 



Total. $11,800 OQ $15,240 00 $10,498 60 10.498 60 



»MPANY. 177 

in bank 

•• i L8 

ina 

lama in dn< »d 

•!,• 



2 82 

La* • - .f th< $4 



ui. Li\i;;Lin; 

I and unpaid 14.50(1 

Loss* land unadjusted 4,000 00 

f unpaid losses 00 »>n 

turns on ii- I l"» 

ika more than < 10,284 95 



kboYS : i 6,246 1<> 



I liabilities except capital 8took *.' !,?!•; 10 

Capital stock 250,< 

Surplus beyond capital 65,1 



Total liabilities, including capital and surplus 



IV. INCOME DT'Kl' VE\K. 

Premiums recei h. 289,997 01 

i r- ♦urn 
premiums 44,961 08 



24/>.' 

From intc: 2 19 

all other - 

xsh income *2<;<;,.">77 28 



v. EXFENDITUBES DUBIN I THE YEAR. 

Amon inolnding I irring in j 

vio 

Cash divi ■ 





1 L'. I 
All a 

ual cahh • - 



178 HOME INSURANCE COMPANY. 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run from date of policy, 11,913,950' 00 131,922 30 

Having more than one and not more than three 

years to run from date of policy, 1,693,145 00 15,820 70 

Having more than three years to run from date 

of policy, 376,214 00 4,749 20 



13,983,309 00 152,492 20 

Premiums received since the organization of the Company, 3,797,010 39 

Losses paid since the Company organized, 2,694,038 10 

Cash dividends paid stockholders, 184,626 60 

Stock owned by directors at date, 49,150 00 

Loaned to officers and directors, 3,281 13 

Loaned to stockholders not officers, , 20,848 31 



Business in Connecticut in 187f. 

Fire risks taken, (no inland); 188,521 00 

Premiums received on same, ., 2,512 53 

Losses paid, 1,983 21 



HOWARD INSli:.\ MPANY. 



HOWARD [NSURANCE COMPANY, 

Lpril 19, 1825. 
nt. Ohabi.w A. "Bjjuu, Secretary, 

Attorney in i • ». B. Fishsb, Hartford. 



I. CAPITAL. 

Capital actually paid up iu cash |600,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 115,000 00 

Loans ou bond and nio: not more than one 

due- 41,950 00 

Inter' L on bond and mortg 150 !>l 

Value of the lands i 1 60,000 

Buildings (insured 1 72,000 

my. 

Valu.\ 
I : — 

I'. - 6 I, o u 200,000 00 241.710 00 

l- i] 6 64,12i 

: 12,8( 

) 00 

00 

10,12 

nix 

American I. 16,000 00 

- : — 

7,210 



an 



_'l (mi ;,t l( s21 i (j 



180 HOWARD INSURANCE COMPANY. 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 
American Ex. Nat. Bank,.... 1,400 00 1,484 00 1,300 00 
Merchants '" .... 1,000 00 1,180 00 950 00 

Total, $2,400 00 $2,664 00 $2,250 00 2,250 00 

Cash in Company's principal office, 302 00 

Cash deposited in bank, 15,734 00 

Interest due and acciT.ed on stocks, , 3,434 93 

Interest due and accrued on collateral loans, 74 00 

Net premiums in due course of collection, 15,518 43 

All other property belonging to the Company, 1.983 33 



Assets of the Company at their actual value, $746,518 60 



III. LIABILITIES. 

Losses reported and unadjusted, 10,645 58 

Losses resisted, * 5,000 00 

Net amount of unpaid losses, 15,645 58 

Unearned premiums on fire risks, one year or less, 75,586 73 

Unearned premiums on risks more than one year, 24,214 26 

Amount of unearned premiums as computed above, 99,800 99 

Balances due agents, 5 63 

Total liabilities, except capital stock, 115,452 20 

Capital stock, 500,000 00 

Surplus beyond capital, 131,066 40 



Total liabilities, including capital and surplus, $746,518 60 



IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash, 191,320 34 118 57 

Deduct re-insurance, rebate, abatements 

and return premiums, 14,576^62 



Actual cash premiums, 176,743 72 148 57 176,892 29 

From interest on bonds and mortgages, 3,234 94 

From interest on loans and dividends on stocks and bonds, 31,380 93 

From rents, .. 2,800 00 

Actual cash inoome, $214,308 16 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $4,599.29 occur- 
ring in previous years,) 80,136 77 

Deduct re-insurance and salvages, 3,719 35 



Net amount paid for losses, , ,., 76,417 42 



HOWARD INSURANCE COMPANY. 1M 

dividends 60,8 

dsskms or brokenure 28,106 17 

i ;. 4 s 

7,214 !»:i 

All other payments and expenses ;:; 51 

Aetna] cash expenditures $280,878 51 



VI. MISCELLANEOUS. 



Premiums. 



m force having not more than one year to 

r to run from date of policy J '.), (130,290 ()() 151,178 17 

Haying more than one and not more than three 

ran from date of policy 2,S*.)0,f>G4 00 :):',. ]',G G8 

g more than three years to run from date of 
policy. 717,866 00 10,885 96 



28,288,720 00 195,216 11 

Premiums received since March 14th, 1886 6,225,228 00 

b paid since March 14th, 1836 4,248,118 00 

dividends paid stockholders since March 13th, 1886, 1,955,875 00 

Stock owned by directors at date 75,950 00 

BuritUU in Connecticut in 1877. 

Fire riskx taken, (no inland) 1,041,886 00 

Premiums received on same, -.,<; 00 

Losses paid 3, b< 



182 HUMBOLDT INSURANCE COMPANY. 



HUMBOLDT INSURANCE COMPANY, 

Newark, N. J. 
Commenced Business, May, 1870. 
E. W. McClave, President. Geo. Brown, Secretary. 

Attorney in Connecticut, J. W. Pond, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 46,913 04 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 139,097 00 

Loans on bond and mortgage, (first liens.) more than one year's 

interest due, (of which $13,335 is in process of foreclosure,). ... 34,220- 00 

Interest due and accrued on bond and mortgage loans, 9,146 53 

Value of the land and buildings mortgaged, 295,200 

Buildings, (insured for $133,925.00) 167,400 



$462,600 



Loans on Collateral. 



Par Value. Market Value. Auit. Loaned. 

Citizens Gas stock, 625 00 625 00 300 00 

Cash in Company's principal office, 

Cash deposited in bank, 

Interest due and accrued on collateral loans, 

Gross premiums in due course of collection, 

Rents due and accrued, 

Office furniture, ...$2,500 00 

Assets of the Company at their actual value, $260,334 61 



III. LIABILITIES. 

Losses adjusted and unpaid, 8,749 00 

Losses reported and unadjusted, 1,220 00 

Losses resisted, 4,725 00 



300 


00 


416 


40 


14,116 


23 


21 


00 


15.854 


4L 


250 00 



Net amount of unpaid losses, , 14,694 00 



Ill MBOLDT INSURANCE COM! 1 






premiums 
: premium - mi >re than ... 4,14' 



mt of wa computed above , 



All other demands against \\w c^iw 









I Liabilities, including capital and surplus. 



87,931 54 

■ Q 00 

60,1! 
200,0< 



IV. t\ IOME DURING i BOS SHEAR. 

-h L07,202 ()"» 

• re-insux . lents and i 
muds 18,219 29 





From ii 

11 other sources 



Acta 



28 52 
229 70 



V. EXPENDITURES DURING THE FEAR. 

Amount paid for I >ocur- 
ring in previous years,) 94,476 27 

Deduct r< R04 08 



amount paid for loss 

tisaions «>:• brol 

I 








93,672 19 
32 64 



$133,! 



VI. MISOELLA1 

r t'» 
run ( . 5,281 . 

g more tl. ,1 ii"t in 



ig more tl. 
poli< 177,97/5 00 

ition of ll • I 
Ca*d. 

Loa' 

• stockholderH i 



I [9 



. 



184 INSURANCE COMPANY OF NORTH AMERICA. 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 206, 24G 00 

Premiums received on same, 2.621 22 

Losses paid, 2,591 37 



INSURANCE COMPANY OF NORTH AMERICA, 

Philadelphia, Penn. 

Commenced Business, 1792. 

Charles Platt, President. Matthias Maris, Secretary. 

Attorney in Connecticut, C. C, Kimball, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $2,000,000 00 

II. ASSETS. 

Real estate owned by the Company, unencumbered, 100,000 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 1,609,210 00 

Interest due on bond and mortgage loans, 33,182 00 

Value of the land mortgaged, $3,236,800 

Buildings (insured for $974,355), 

$3,236,800 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 
U. S. and State Stocks : — 

U. S. Bonds, 1881, reg. 6's, 200,000 00 213,000 00 

" coupon, 5's... 100,000 00 106,620 00 

■new reg. 5's,. 600,000 00 631,500 00 

" 5-20's, '65-67, 6's, reg., 100,000 00 101,334 00 

Pennsylvania State, 5's, cur 514,400 00 569,698 00 

" " 6's, " 24,000 00 26,880 00 

New Jersey 6's 54,000 00 59,400 00 

Delaware 6's 10,000 00 10,500 00 

Connecticut 6's, 1881, 52,000 00 57,200 00 

South Carolina con. State loan. 6's, 11.000 00 4.500 00 - 



NSUK 0MPAN1 -I'll A.MEUICA. 



!-•'■ 



I 



Value. M 
a : — 

100,000 00 112,000 00 

Pittsburgh " 7'a 60,000 00 40,000 00 

•; " 7 :;. I 00 61,78 

B0,000 00 82,100 00 

n u: •• 6'a 50,000 00 

25,000 750 00 

- 19 000 00 14,170 no 

Fall BWei •• 5*8, gold ■ <><> 81,600 00 

Toledo *• 8*a 21,000 22,890 00 

Hairiabnrg •• 6'a 16,000 00 16,160 <"> 

Providence " 26,000 00 26,260 00 

7-. 20.000 00 21,600 00 

I •• 7'a 16,( 00 49,600 00 

iton ll 6*a 200,000 00 226,000 00 

Williamsport u 6*a 8,000 00 1,800 00 

.ton •• 8*a 11,000 00 11.-- 

Burlington " 8'a 12,000 00 

af onto Borough 6'a 6,000 5,100 00 

Railroad Bonds : — 

1 nnsytoania, 1st mort 6'a 50,000 00 160 00 

iranteed,. 25,000 25.760 00 

North Pennsylvania 6's, coupon,. 80,000 00 81,650 00 

i(m 5,600 00 

Lehigh Valley, L 6'a 50,000 00 54,250 00 

7*a 25,000 00 28,2 

Philadelphia & Beading 7's, reg.,. 5,000 00 5,575 00 

•• eon. I Bt mort 78 

Pennsylvania con. 1st mort., 6*8,. 100,000 92,000 00 

Lehigh V .'".< 00 00 47,250 00 

United B B . N. J., reg. I 00 42,840 00 

Phila. & Beading Is* mort. loan,. 50,000 00 51,864 

Phila., Wilmington A Belto. B9.000 00 40,950 00 

■ - 

Phil mtown A Norrist'wn 16,000 00 
Bank Stocks : — 

Ph.: da] 10.00 I 16,700 00 

• : — 

16,000 00 12,760 00 

igh Coal A Q )|() 

•• 

80,000 00 

ft\merioan Steamahip ('■ . 00 

17,010 00 

Wn • 00 

I ! 

N.V 1,0 

Mir 

; : l i.i 






180 INSURANCE COMPANY OF NORTH AMERICA. 

Loans on Collateral, 

Par Value. Market Value. Amt. Loaned. 

Ins. Co. of North America,. 27,050 00 79,797 50 38,045 G2 

CatawissaB. R. 6's, 5,000 00 5,200 00^) 

Schuylkill Nav. 1882, G's,.... 2,500 00 1,537 50 I 

\ ?A 000 00 

Harrisburg City 6's, 12,500 00 12,625 00 j oi ' uuu uu 

Ins. Co. of North America,.. 10.000 00 29,500 00 J 

Philadelphia k Reading R.R. 4,000 00 4,040 00 1,8: 00 

Pennsylvania R. R., 1,350 00 895 00 500 00 

Pennsylvania R. R., 4,350 00 2,882 00^ 3 000 00 

Ins. Co. of North America,.. 500 00 1,475 00 J ' 

Phil., Ger. & Nor. R. R...... 10,000 00 19.200 00 "^ 

Pennsylvania R. R 25.000 00 16,562 00 I 

Philadelphia City 6X 4,000 00 4,480 00 f ^^ uuu uu 

Missouri Corporation, 10,000 00 10,000 OOj 

Merchants Life Ins. Co., 2,500 00 2,500 00 350 00 



Total, 118,750 00 100,694 00 107,695 62 107,695 62 

111 other loans, 30,048 31 

Cash in Company's principal office, ) _ r _ . _ C q 

Cash deposited in banks, ) 

Interest due and accrued on stocks, 660 00 

Interest due and accrued on collateral loans, 1,020 00 

Gross premiums in due course of collection, 333,698 90 

Bills receivable, 266,474 08 

All other property belonging to the Company, 23,520 25 



Assets of the Company at their actual value $6,449,624 15 



III. LIABILITIES. 

Fire. Marine. 

Losses adjusted and unpaid, 10,425 00 

Losses in process of adjustment. 51,562 00 246,000 00 

Losses resisted, 26,013 00 



Total, 88,000 00 216,000 00 

Deduct salvage 34,000 00 



Net amount paid for losses 88,000 00 212,000 00 300,000 00 

Unearned premiums on fire risks, one year or less, .. .$492,871 98 
Unearned premiums on risks more than one year, — 492,093 80 
Unearned premiums on unexpired marine and inland 

navigation risks, 399,926 24 

Amount of unearned premiums as computed above, 1,384,892 02 

Amount reclaimable by the insured on perpetual fire policies, — 350,212 37 



Total liabilities, except capital stock, 2.035,104 39 

Capital stock, 2,000,000 00 

Surplus beyond capital, 2,414,519 76 

Total liabilities, including capital and surplus, . $6,449,624 15 



IN8UKAKGI COMPANY OF KORTH AMERICA. 18' 

IV. INCOME DURING THE V: 

Fire, K. A tad. 

imareo ivedin oaah 1,428,919 <>7 2,186,588 <;■-' 

Dedaot ra-insnranee, ratal 
menta and return premiums 120,222 29 888,16fi 



Actual cash premiums I, 1,798 128 40 8,102,125 18 

for pramiums remaining unpaid, f266,474 08 

From interact on bonda and mortgages 78,4' 

From int. ins and dividends on d bonds 612 40 

l all other sooraea, 26? 98 

Deposit premium received for perpetual fire risks (10,007 86 



Actual cash income 

V. EXPENDITURES DURING THE YEAR. 

Fire. M. A In. 

Amount paid fo . 714,080 53 1,771,826 82 

Deduct re-insurance and 1 87 175,865 89 

Net amount paid for losses,... 708.793 L6 1,695,460 93 2,299,254 09 

Cash dividends, 400,000 00 

Paid for eotnn . 9, 889,759 12 

Pail or allowed for - • 127,443 44 

87,370 27 

All other payments and < 133,1 

Deposit premiums relumed on perpetual fire ri |9,739 h; 

•ash expenditures, 98,437,485 51 



VI. MISCELLVNI' 



Preraiume. 



Risks in force having r to 

rnnfron 82,409,266 00 985,748 97 

Having more than oi i more t: 

> run from lioy 471,855 if, 

■i run from date of 

policy ,470 00 480,371 17 

Peri. 12,95 



164,884,948 00 2,806,114 90 

M. &. In. tuns. 

899,926 24 

Premiums reos >n of the Company 71,( 

56 24 





845 <;-' 

ctieut in I 

:isks take, 

Preu.. ved on MSB 



188 ' IKVING INSURANCE COMPANY. 



IRVING INSURANCE COMPANY, 

New Yoee City* 

Commenced Business, April 30, 1872. 

Martin L. Crowell, President. James M. Wilson, Secretary, 

Attorney in Connecticut, A. E. Dudley, New Haven, 



I. CAPITAL 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens), not more than one 

year's interest due, f>5,600 00 

Interest accrued on bond and mortgage loans, 324 34 

Value of the land mortgaged, $71,000 00 

• Buildings, (insured for $57,550), 70 000 00 



$141,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. registered, 1904, 160,000 00 170,000 00 

" coupon, 1904, 25,000 00 20,875 00 

11 registered, 1885, 15,000 00 15,431 25 



Total, $200,000 00 $212,906 25 212,906 25 

Loans on Collateral. 
Par value. Market value. Amt Loaned. 

Chi. & AltonR.R., pref.,... 10,0000 00 10,000 00 6,000 00 6,000 00 

Cash deposited in Bank 2,017 20 

Interest due and accrued on collateral loans, 41 11 

Gross premiums in due course of collection, 5,933 43 

Assets of the Company at their actual value, $282,822 33 

III. LIABILITIES. 

Losses adjusted and unpaid, ' $2,005 70 

Losses reported and unadjusted, 250 00 

Losses resisted, 1.000 00 



Net amount of unpaid losses, 3,255 70 



IKVINC INSURANCE COMPANY. 189 

ned promiom8 on fire riska, one yearor leea,... 
tied premiama on riaka more than one year 



mpnted above^. 

Due in 

All other demandi the Oompany 



p| capital, stock, 



Surplus beyond oapital 









. 






7^7 




48, 




80 


■.«»< 


00 


89, L69 


53 



.1 liabilities including capital and surplus 

IV. INCOME DUBING THE YEAK. 

Premiums received in cash 80.017 49 

Deduct re insurance, rebate, abatements and return 
premiama, 4,041 99 

Actual c tan p remiums 76,975 50 

From interest on bonds and mortgages, 4,277 7 ! 

From interest on loans and dividends on stocks and bonds 11,090 4.~> 



Actual cash income $91,843 69 

V. EXPENDITURES DUBING THE YEAR. 

Amount paid for losses. (including $1,617.83 occur- 
ring in previous years) $42,853 49 

Deduct re-insurance, 20 L'l 

Net amount paid for losses, 42,333 28 

Cash dividends, 

Commissions or brokerage l < >, 4 95 C8 

Salaries and fees. 14,100 00 

Taxes OGL 49 

All other payments and expenses 11,28 



Actual cash expenditures, $104, 



VI. MIS !ELLANE 






in force having not more than one year 

iunfrornw 2 00 719 24 

Having more than one and not more than three 

ran from date of policy 16 00 

i date of 
policy, i:. i... 



76.7i 

ved since the o 

tee the organisation 

Cash 

Stock 



190 LAMAR INSURANCE COMPANY. 

Business in Connecticut in 1877. 

Fire risks taken (no inland), 280,405 00 

Premiums received,. 3,079 20 

Losses paid, tt 2,292 32 



LAMAR INSURANCE COMPANY, 

New Yoke City, 
Commenced Business, April 3, 1872. 
Isaac NT. St. John, President. Wm, R. MacDiakmid, Secretary. 

Attorney in Connecticut, Silas Chapman, Jk., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 77,400 00 

Value of the lands mortgaged, 49,500 00 

Buildings, (insured for $77,400,) 117,500 00 

$167,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks: — 

U. S. bonds, 6's, 1881, 35,000 00 37,450 00 

5-20's, 18(55, 75,000 00 77,550 00 

5-20's, 18U7, 145,000 00 153,700 00 

Bank Stocks : — 

National Bank of the Republic,... 3,700 00 3,330 00 

of Commerce, 4,000 00 5.C40 00 

St. Nicholas National, 7,500 00 G,750 00 

To tal, $270,200 00 $283,820 00 283,820 00 



LAMAR INSURANCE COMPANY. 191 

' - ral. 

Vain •. Mark t N.ti u--. Ami Loaned. 

Mechanics Bk. Brooklyn. 800 00 DOC 700 00 

lard Fire Ens. Co.,.. 2 L50 00 2,709 00 2,00< 

11 2,600 I 8,276 00 2,600 00 

Long bland Bank, 2,4 <> 00 2,4 ><■ 001 { 

onty Bank 2,000 00 I I "> 



Total $9,950 00 $11,745 00 $9,300 0,'u 

Oaah in Company's principal office >5 80 

I leposited irj Bank, 12,704 77 

- premiama in due course of collection, 10,890 ( 6 

Bills receivable 835 00 



Assets of the Company at their actual value, $398,305 18 

III. LIABILITIES. 

Losses reported "and unadjusted, 3,000 00 

- resisted, 1,300 CO 

Net amount of unpaid losses, 4,000 00 

Unearned premiums on five risks, one year or less 59,157 66 

Unearned premiums on risks more than < 5.950 20 

Unearned premiums on inland navigation risks 324 70 

Amount of unearned premiums as computed above 65,432 68 

All other demands against the Company, 1,068 33 

Total liabilities, except capital stock 71,386 01 

Capital stock 200,000 00 

Surplus beyond capital, 126,919 12 



Total liabilities, including capital and surplus, £3'JS,305 13 

IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash 139,671 59 46,514 4t 

Deduct re-insurance, rebate, abatements 

and return preminrns, 9,838 47 8,035 80 



129,833 12 38,478 • • I 168,811 78 

I d for preiniui: 

d 126 00 710 00 

Is and mortgages 1,608 82 

From interest on loans and dividends OD stocks and bondfl 17..' : 

Actual cash income, $190,400 11 

v. EXPEND! 1 DBE8 DURING THE JTEAB. 

Fir.-. Inland. 

$11,- 

i:»l .". i 1,941 
I amount pail for losi 512 17 17.-77 <;» 107.1 



192 LAMAR INSURANCE COMPANY. 

Cash dividends, 20,000 00 

Commissions or brokerage, 18,752 12 

Salaries and fees, 18,341 67 

Taxes, 1,933 18 

Ail other payments and expenses, 17,036 49 



Actual cash expenditures, $ 183,453 57 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, '.$10,768,112 00 118,315 32 

Having more than one and not more than three 

years to run from date of policy, 806,901 00 8,330 82 

Having more than three years to run from date of 

policy, 253,837 00 3,591 77 



1,828,850 00 130.237 91 

Inland. Premiums. 



45,600 00 649 52 

Premiums received since the organization of the Company, 1,078,542 22 

Losses paid since the organization of the Company, 577,326 92 

Cash dividends paid stockholders,.. 80,000 00 

Stock owned by directors at date, 51,600 00 

Loaned to officers and directors, - 2,600 00 

Loaned to stockholders not officers, 2,000 00 

Business in Connecticut in 1877. 

Fire. Inland. 

Fire and inland risks taken, 216,083 00 

Premiums received on same, 3,520 37 

Losses paid 7,738 39 125 81 



LBN02 FIRE LN8U RANCH COMPANY. I'. 1 :; 



LENOX FIRE INSURANCE COMPANY, 

Yobs Oitt. 
Oommenoed Badness, April 21, 1853. 
Geo. a. J.\i;vis. President. AiuHT-n N. Walton, Secretary. 

Attorney in Connecticut < C. W. Shelton, New Haven. 



I. CAPITAL. 

Capital actually paid up iu cash, $150,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens,) not more than one 

.. s interest due IC.fi 

Interest due on bond and mortgage loans 507 tHi 

Value of the lands mortgaged, 20,000 00 

Buildings (insured for $19,000.00), 19,000 00 

00 00 

Stocks and Bonds owned by the Company. 

I'ar Value. Market Value. 

I'. s. Stocks :— 

U. S. Bonds, 1881, registered,.... 32,000 00 34,160 00 
Is, " .... 68,0 ■') 00) 



iO.MOO ()0> 



121,540 00 



DS : — 

Kin-- County Bonds 13,000 00 13,808 53 

I 

>re & Michigan Southern, 10,000 00 10,900 00 

: — 

Bab. & B [em. l>ds., 4,000 oo 4,000 00 






il $177,00 8 58. 16 

Loans <> I ral. 

Atlantic D 00 27,500 00 I 

500 00 2,5 i 

Citiz •• .... 2,880 I 00 

.. 

. . |,6< 00 

Esns •• ... 680 00 l. '-'-'» 001 j (M| , 



24, 



194 



LENOX FIRE INSURANCE COMPANY. 



Cash in Company s principal office 

Cash deposited in banks, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 

Net premiums in due course of collection, 

Assets of the Company at their actual value, 



110 39 


3,965 


50 


112 


<;o 


217 


10 


5,238 


99 


$235,055 


73 



III. LIABILITIES. 

Unearned premiums on fire risks, one year or less, — 22,985 17 
Unearned premiums on risks more than one year, 3,036 05 



Amount of unearned premiums as computed above,. 
Due and accrued for salaries, &c, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



26,021 22 
1,100 00 

27,121 22 

150,000 00 

57,934 51 



Total liabilities, including capital and surplus, $235,055 73* 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 56,181 63 

Deduct re-insurance, rebate, abatements and return 

premiums, 8,020 51 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 



Actual cash income, 



48,161 12 

1,067 50 

12,923 80 

562,152 42 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $121.22 occur- 
ring in previoiis years) 20,485 20 

Deduct salvage and re-insurance, - 203 57 



Net amount paid for losses, 

Cash dividends 

Commissions or brokerage, 

Salaries, fees, and other office and agency expenses, 

Taxes 

All other payments and expenses, 



Actual cash expenditures, 



20,281 63 
15,000 00 

4,099 03 

13,049 88 

048 32 

9,396 74 

$62\475 00 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, $7,402,780 38 47,012 07 



LORILLARD INSURANCE COMPANY 196 

Having more than one and not more tbnn three 

ran from date of pojioy 860,462 50 8,842 :»i 

Having more than t! Lo run from date of * 

of policy, 180,126 00 2,153 

7.*» 4::,:>7.i 88 7 56 

Premiums received since the organization of the Company 1,405,564 86 

s paid sinoe the organization of the Company 

Cash dividends paid stockholders, 

rwned by directors at date 

Butineasin Connecticut in is;?. 

Fire risks taken, (no inland), 

Premiums received on same, 

Losses paid, 



600 


8fi 


298,500 00 


49,976 


00 


72,460 


i o 


7i»4 


11 


L\4 7f. 


82 



LORILLAUD INSURANCE COMPANY, 

New York City. 

Commenced Business. January, 1872. 

Cjlblisle Norwood, Prcii John C. Mills, Secretary 

Attorney in Connecticut, L. W. Spbbbt, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS* 

1 and niort not mere than one 

00 no 

Inter- don bond and mortgage loans, lv_".»_' 00 

Vulue of build, - 

I n >;. 

Pai Vain " t Value. 

I . - .— 

Qui 



196 LORILLA.RD INSURANCE COMPANY. 

Par Value. Market "Value. 

United States 5-20's, 1867, coup.. 75,000 00 81,375 00 

* " ' ; 1865, new,. 31,500 00 33,153 75 
Railroad Bonds : — 

Lake Shore & M. S. 1 st nitg 26,000 00 28,675 00 

Total, ....$232,500 00 $2-19,266 25 249,266 25 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Chatham National Bank, . 3,000 00 3,600 00^ 4 00 00 

Oriental National Bank,... 1,000 00 1,500 00) ' 

Metropolitan Gas Co., 5,000 00 6,500 00 5,000 00 

Manhattan Life Ins. Co.,. 1,800 00 9,000 00 3,700 00 

Union Trust Co., 10,600 00 11,130 00 10,000 00 

Western Union Tel. Co.,.. 50,000 00 38,750 00) 

N. Y. N. H. & Hart. R. R. 10,000 00 15,000 00> 42,000 00 

New Jersey Steamboat Co. 3,000 00 3,000 Oo) 

United States 6's, 1881 8,400 00 9,000 0Q.) 

Chicago, R. I. & Pacific,.. 3,000 00 3,900 00 J 

New York City bonds, 2,000 00 2,000 00 1,500 00 



11,000 00 



Total, $97,800 00 $103,380 00 $77,200 00 77,200 00 

Cash in Company's principal office, 076 77 

Cash deposited in bank, 22,835 11 

Interest due and accrued on collateral loans, 2,851 55 

Gross premiums in due course of collection, 12.-577 11 



Assets of the Company at their actual value, $441,298 79 

III. LIABILITIES. 

Losses reported and unadjusted, 2,110 00 

Losses resisted, 3,150 00 



Net amount of unpaid losses, 5,260 00 

Unearned premiums on fire risks, one year or less,...$ 36,738 36 
Unearned premiums on risks more than one year,.... 16,838 70 

Amount of unearned premiums as computed above, 53,577 06 

All other demands against the Company, 1,908 21 

Total liabilities except capital stock, 60,805 27 

Capital stock, 300,000 00 

Surplus beyond capital, I... 80,493 52 

Total liabilities including capital and surplus $141,298 79 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 139,060 G6 

Deduct re-insurance, rebate, abatements and return 

premiums, 24,457 28 

Actual cash premiums, ,. 114,603 36 



LORILLARD INSURANCE COMPANY. L97 

From interest on bonds and mortgages 1,087 82 

From interest on lo:uis and dividends on stocks and bonds 19,223 ('7 

Actual cash income $137,864 27 



V. EXPENDITURES DURING THE YEAH. 
Amount paid for losses, (including $2,820.00 occur- 

ing previous years.) 54,960 99 

Deduct salvages and re-insurance 1,485 45 



Net amount paid for losses, 63, 525 54 

lividends 30,000 00 

.dssions or brokerage, 17,589 46 

8a 1 ariea and fees, 2( >,830 00 

Taxes, 8 361 07 

All other payments and expenses, 14,719 99 



Actual cash expenditures, $145,026 06 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 11,300,809 00 73,470 72 

Having more than one, and not more than three 

s to run from date of policy, 1,725,044 00 20,223 94 

Having more than three years to run from date of 

policy, 1, 010,700 00 13,222 47 



$1 1.036,613 00 106,023 13 

Premiums received since the organization of the Company 1,062,883 00 

gp lid since the organization of the Company, 451,595 00 

Cash dividends paid stockholders, 141.000 00 

Stock owned by directors at date, 104,500 00 

Lomedto officers and directors., 10,000 00 

Loaned to stockholders, not officers, 69,700 00 

lbixiness in Connecticut in 1-77. 

Fire risks taken Cno inland,) 595,951 00 

Premiums received on same 4,132 C8 

Losses paid, 



198 MANUFACTURERS INSURANCE COMPANY. 



MANUFACTURERS INSURANCE COMPANY, 

Newark, N» J. 
Commenced Business, August 1, 1873. 
Geo. Wilkinson, President. D. Smith Wood, Secretary. 

Attorney in Connecticut, C, C. Kimball, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Ileal estate owned by the Company unencumbered, 33,216 65 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 160,800 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, (of which $4,000.00 is ia process of foreclosure), . 6,000 00 

Interest due and accrued on bond and mortgage loans, 4,959 08 

Value of buildings, (ins. for $L19,500,) 382,900 00 

Stocks and Boyids owned by the Cvmpany. 

Par Value. Market Value. 
Municipal Bonds : — 



City of Hah way, 




2,000 00 


2,000 00 


Railroad Bonds : — 








Newark & Bloom. Street Railway, 


1,500 00 


75C 00 


Bank Stocks : — 








Manufacturers National,. 




12,700 00 


11,430 00 






2,000 00 


1,500 00 








Total, 




. $18,200 00 
on Collateral. 


$15,080 00 




Loans 






Par Val 


ue. Market Val 


le. Amt. LoaDed. 


City of Rah way Bonds, 


. 7,000 


00 7,000 00 


5,588 70 


Celluloid Mfg. Co., 


. 1,000 


00 1,500 00 


800 00 


Manufaturers Nat. Bank.... 


500 


00 450 00 


335 00 


" 


. 1.400 


00 1,260 00 


900 00 


(i 


. 8,000 


00 7.200 00 


6,200 00 


" 


500 


00 450 00 


105 00 



15,680 00 



MANUFACTURERS INSURANCE COMPANY. 1**1* 

\ Jne. Amt, Loan* «i. 

R. 2,500 00 3,060 00 2,750 00 

; rust Oo . V ^ ''•." ,1 I 00 7,0< 00 4,500 00 

idd'nal coll., 4,600 00 

H °** "■ Tex " I 1,500 00 

Mortgage as additional oolL, 4,500 00' 

I M.»r. ool). fox call loan 4,000 00 I L,000 00 

► 00 7,000 00 8,000 00 



1 12,678 7" 

in Company's principal office 1,928 ~>\ 

ok 12 <»;; 

.1 Loans 

ins in dne course of collection 19,674 18 

Bills receivable 978 28 



Assets of the Company at their a -mil valne 1(300,116 "»l 

III. LI.VRIUTI! 

: and anpaid I 

I and unadjusted, 5,22-1 00 

1,500 I <> 



f unpaid losses 10,793 I.'. 

Unearned premiums on fire risks, one year or less,... 59,846 80 
Unearned premi >re than one year 1 2,120 22 

Amount of unearned premiums as computed above, 71,967 03 

Due and to become due. money reserved from bond and mortg. . 700 00 



Liabilities except capital stock B3,460 46 

Capital stock 200,1 

Surplus beyond capital, 16,6; 



& liabilities including capital and surplus t 800,116 5] 

IV. INCOME DURING l BE JTEAE. 

iums reoenred i] 162,972 

Deduct re-i:. rebate, abat 

premiums, 28,470 05 

502 31 

ining unp 

n Is and m i I. - 

- . . 



i to 

V. DURING THE TEAR. 

I to 



200 MANUFACTURERS INSURANCE COMPANY 

Cash dividends, 

Commissions or brokerage, 

Salaries and fees , 

Taxes, 

All other payments and expenses : 

Actual cash expenditures, 



VI MISCELLANEOUS. 



14.000 


00 


29, 


773 


74 


9,882 


26 


3, 


594 


99 


9, 


705 


47 


161 


893 


87 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 10,196,317 00 119,693 61 

Having more than one and not more than three 

years to run from date of policy, 1,505,67)3 00 17,403 00 

Having more than three years to run from date 

of policy, 363.360 00 5,141 58 



12,065,330 00 142,298 19 

Premiums received since the organization of the Company, 516,451 78 

Losses paid since the organization of the Company, 208.647 81 

Cash dividends paid stockholders, 47,025 42 

Stock owned by directors at date, 132,900 00 

Loaned to directors, , 27,788 70 

Loaned to stockholders not officers, 2,750 00 

Business in Connecticut in 1877. 

Fire risks taken (uo inland,) 213,938 00 

Premiums received on same. 2,609 33 

Losses paid, 2,709 85 



MANHATTAN FIRM IN8URANCM COMPANY. 201 



MANHATTAN FIRE INSURANCE COMPANY, 

ry. 
Commenced Business, March 81, 1872. 

Andrew J. Smith. President. Louis K. Cai: Uiry. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford. 



I. CAPITAL. 
Capital actually paid up in cash $250,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered 1 1,515 4."! 

Loans on bond and mortgage, (first liens,) not more than one 

• dae 190,7! 

Interest due and accrued on bond and mortgage loans. 6, '_':'. I »,l 

Value of buildings, insured for $185,350), $+29,30 > 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
-cks : — 

United States Curre 100,000 00 120.000 06 

10-40*8 100,000 00 10 

L< 00 

- :li Oarolin 20,000 7,000 00 

Rail:. : — 

i 1,100 00 

- : — 

N. V. Mutual 15, 15,625 00 



tal lb 00 

* 

00 J 

].<;<*! <-ii 

7«.0 00 



202 MANHATTAN 


FIRE 


INSURANCE 


COMPANY. 






Par val 


lie. 


Market value. 


Amt Loaned. 




Phenix Ins. Co., Brooklyn... 


1,600 


00 


2,500 00 


1,400 00 




Lamar " N. Y., 


2,000 


00 


2,200 00") 






Hoffman " " . 


1.000 


00 


1,100 00 | 






Lenox " " 


1,000 


00 


1.200 00 } 


5", 000 00 




Atlantic " " 


1,500 


00 


1,000 00 I 






Lorillard " " 


1,500 00 


1,000 .00^ 






United States Bond, 1881,.... 


1,000 


00 


1,150 00 


500 00 




N. Y. Eeonom'l Print'g Co., 


1,000 oo 


1,500 00 )_ 


1,000 00 




Phenix Ins. Co 


250 


00 


400 00) 






United States 5-20 Bond, 


1,000 


00 


1,070 00 


350 00 




Howard Ins. Co. , N. Y. , 


:y>50 


00 


3,850 00 


3,000 00 




N. Y & New Haven li. it.,... 


1,000 


00 


1,500 00> 
2,200 00 f 


2,375 00 




Central Pacific Gold Bonds,. 


2,000 


00 






xlelief Fire Ins. Co., 


500 


00 


500 00 


400 00 




Brooklyn Water Loan Bond, 


1,000 
133,350 


00 
00 


1,000 00 


700 00 
$24,925 00 




Total, 1 


$40,750 00 


24,925 00 


Cash in Company's principal 
Cash deposited in Bank, 


office, . 








10,573 34 










85,222 49 


Interest due and accrued on 


stocks, . 








960 00 


Interest due and accrued on 


collateral lo 
se of collec 


ans 




581 25 


Gross premiums in due cour 
Bills receivabl e, 


tion, 




76,747 94 










11,889 94 
6 240 47 














v at their actual value 






Assets of the Comcan 1 


$793,239 05 



III. LIABILITIES. 

Losses adjusted and unpaid, 15,156 92 

Losses reported and unadjusted, 28,595 00 

Losses resisted, 12,500 00 

Net amount paid for losses, 56,251 92 

Unearned premiums on fire risks, one year or less,.... 223,033^65 

Unearned premiums on risks more than one year, 43,778 67 

Unearned premiums on inland navigation risks, 2,463 25 

Amount of unearned premiums as«computed above, -. 269,275 57 

All other demands against the Company, 9.707 20 

Total liabilities except capital stock, 335,234 69 

Capital stock, 250,000 00 

Surplus beyond capital, ; 208.004 36 

Total liabilities including capital and surplus, $793, 239, 05 



MANHATTAN FIKE INSURANCE COMPANY. 208 

IV. INCOME DUBIN I THE ZEAB 

Fiiw .lid. 

Premiums] in oash $660,900 9-1 $148,881 58 

Dedoot re-insuranee, rebate, abate- 
ments and return preminma 53,683 40 62,878 51 

Aotual oash premiums $607,217 54 $81,503 07 688,720 01 

From interest on bonda and mortgages 11,064 82 

interest on Loans and dividends on stocks and bonda 20,435 76 

Prom rents 1,100 00 



Actual cash income $721,321 11) 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses (includ. $24,- 

'.00 occurring in previous 110,095 55 65,985 50 

Deduct salvage and re-insurance, 1,925 94 36,579 0-4 



N-t amount paid for losses 408,16961 49,40592 457,57558 

- 00 00 

Commissions or broki 98,659 11 

Salaries and fees 122 '. 6 

16,613 48 

Ail other payments and expensea -■•' 34 

Actual cash expenditures $738,538 42 



MISCELLANEOUS. 



Pieiniums. 



id force having not more than one year to 

run from date of policy 34,703,628 00 446,067 20 

Having more than one and not more than three 

run from date of policy. 1,518,778 00 14,499 ."-l 

Having more than thi to run from date of 
policy 4,494,879 00 543 22 



40,717,285 00 500, H 

Inland. Premiums. 

1,978, 4,95 

miumsrecei in of the Company 8,599,144 61 

1. nes paid since the organization of the Company 1,978,861 87 

. ., 170.(100 00 

Stock owned by direc te 

• I.".,s75 00 



B4 1,640 00 

me 1L~- 

'7 92 



204 THE MERCHANTS FIRE INSURANCE COMPANY. 



THE MERCHANTS FIRE INSURANCE COMPANY, 

Newark, N. J. 

Commenced Business, April 18. 1858. 

StDAS Merchant, President. Henry Powles, Secretary. 

Attorney in Connecticut. W. C. AtwAter, Birmingham. 



L CAPITAL. 

Capital actually paid up in cash, $400,000 00 

II. ASSETS. 

Keal estate owned by the Company unencumbered , 110,820 05 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 376, 2£0 00 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, (of which $8,275.00 is in process of foreclosure), 15,075 00 

Interest due and accrued on bond and mortgage loans, 12,6G7 49 

Value of the land mortgaged, 469,625 00 

Buildmgs, (insured for $461.550.00) 553,800 00 



1,023,425 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 5-20 s, 1865, coupons, , 45,000 00 46,237 50 

" 1867. coupons, ;. . 40.500 00 52,098 75 

•' registered, 1865 .... 50,000 00 51,375 00 

1881; 60,000 00 63,900 00 

Municipal Bonds : — 

Newark City, ... 100,000 00 110,000 00 

Elizabeth City, 25,000 00 23,750 00 

New Brunswick Water, 2,800 00 2,800 00 

Miscellaneous : — 

Long Branch School, 15,000 00 15,00000 

East Orange street improvement. . 22,000 00 22,440 00 



Total, $369,300 00 $387,601 25 387,001 25 

Loans on Collateral. 
Par Value. Market Value. Amt. Loaned. 

Merchants Nat. Bank, 3,000 00 2,700 00) 3 900 00 

American Trust Co., 2.000 00 1,500 00) 

11 " 5,000 00 3,750 00) - 000 (; n 

Newark City Ice Co., 2,500 00 2,5< 



4,500 00 

:>,<:<)<> 00 
2,000 00 



'NIK MERCHANTS FIKK INSURANCE COMPANY. 

Value. Market Value, Ann Loaned. 

Newark City Ice Co l". 1 00 00 10,000 00 7,600 00 

mica Nat Bank 6,000 00 9,250 00 5,000 00 

y [oe Co 5,000 <» I 5,000* l 

1,000 00 1,000 00) 

Bank 5,000 00 9,250 00 5,000 00 

I Co 4,130 00 2,005 I 0> 

agbl Co 1,000 00 1,080 »> 

■ 00 00 675 00 

rioan Trust Oo 5,000 "<> 8,750 00 2,500 00 

id National Bank 1,500 00 2,025 00 1,500 00 

North War.: b 1,8 I 1,01 750 00 

rk A N. Y. K. B 1,600 00 4,600 I 

County Nat Bank,... 1,600 00 2,160 I <>> 

Co 2,600 00 2,600 I 0) 

Mutual lienefit Ice Co 290 I 290 00> 

Merchants Nat Bank 6,000 00 6,400 00 4,500 00 

American Trust Co 10,000 00 7,600 00 5,000 00 



1,000 00 

2,000 00 



Total $77,620 00 $78,270 00 $ 53,825 00 53,825 00 

in Company's principal office 8,343 74 

in bank 38,350 42 

Interest due and ac sroed on Btocks 7,666 98 

ie and aoorned on collateral loans, 1,020 64 

- premiums in dne course of collection 83,416 82 

due and accrued 225 00 

Premiums over three months due and unpaid, ($3,730.96 not in- 
cluded, i 

Km tfl >f th-- Company at their actual value $1,045,291 :'.'.» 

III. LIABILITIES. 

9 adjusted and unpaid 4,853 

I and unadjusted 12,568 87 

6,206 78 

Net amount of unpaid losses 

Uneav: turns on D ne year or less,.., 172,428 

Unearned premiums on risks more than one year, ... <; 

on inland navigation risks 1,862 98 

Unearned premiurj 

570 00 

Prin ■ - 5,68 1 00 

lue and declared rein paid 18,916 28 

.. J ! 7 

ik, 

! 

pita] 

rve fund r< 

hiding ca] 



205 



THE MERCHANTS FIKE 1NSUHANCE COMPANY 



IV. INCOME DURING THE YEAR. 
Five. Inlaid. 

Premiums received in cash, 433,192 31 6,934 72 

Deduct re-insurance, rebate, abatements 

and return premiums, 40.445 69 3,142 53 

Actual cash premiums, 392,746 62 3,792 19 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 

From rents, 



396,538 81 
28,S83 99 
24,045 79 

2,744 05 



Actual cash income, $451,712 64 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $30,411.20 occur- 
ring in previous years,) 198,900 11 

Deduct salvages and re-insurance, 7,822 02 



Net amount paid for losses. 

Gash dividends., 

Interest paid to scripholder.s, ... 

Scrip or Certificates of profits redeemed in cash, 

Commissions or brokerage , 

Salaries and fees, ; 

Taxes, , 

All other payments and expenses, 



191.078 09 
36,000 00 
5,707 76 
13.818 66 
71,105 69 
29,548 74 
7,658 79 
42,320 82 



Actual cash expenditures, $397,238 55 



VI. MISCELLANEOUS. 

To Policyholders. 

Scrip dividends declared to date, 276,425 00 

Deduct amount redeemed in cash, 211,058 00 



Balance of scrip dividends, 

Scrip deliverable not actually delivered, 



65,367 00 
9,995 00 



Risks in force having not more than one year 

to run from date of policy, 42,678,906 00 

Having more than one and not more than three 

years to run from date of policy 6,578,007 00 

Having more than three years to run from date 

of policy 3.231,029 00 

Perpetual risks in force and interest premiums. 22.300 00 

52.510.242 00 
Inland. 
305,857 00 

Premiums received since the organization of the Company... 

Losses paid since the Company organized, 

Cash dividends paid stockholders, 



Premiums. 
344,857 64 

72,694 91 

43,840 19 
42 00 



461,434 74 

Premiums. 
3,705 86 
2,902,349 25 
1.124,519 72 

192.219 63 



INT8 |N8UKA] Mlw.w. 207 

Btook own< il by directors al >1 it «>. 7 1,. ".."(> 00 

Loam re and directors 10 % Vi 

k dividends declared 240,000 00 

^holders n< DO 00 

in l ^77. 

Fiiv o, (no inland) 1,026,870 44 

Preminms me 11,2! 

1 1 i, 1 1 > 7:< 



MERCHANTS [NSURANCE COMPANY. 
Pbovtdenojb, EL T. 

Commenced Business, June, 1851. 

Walteh Pains, P Charles Foster, Secretary. 

At! </. William R, Cbahz, Hartford. 



I CAPITAL. 

! i $300, (H >0 00 

II. ASSETS. 

-on bond and morl r liens,) not more than i 

yet< i I | 



tnd mortgaged I no 

Btnldingt 40,000 00 



$140,000 00 
mdi own* 

rj.fi 

■ tanmera SO, 74,4 



208 MARCH ANTS INSURANCE COMPANY. 

Par Value. Market Value. 

American National, 50,000 00 46,000 00 

Merchants ' ; t 20,000 00 22,200 00 

Globe " 10.000 00 10,000 00 

Phenix ; ' 10,000 00 15,000 00 

Mechanics " 12,850 00 16,705 00 

Manufacturers National, 10,200 00 13,158 00 

Miscellaneous : — 

Providence Gas Co., 23,350 00 28,020 00 

Delaware & Hudson Canal Co.,,... 6,600 00 3,432 00 

Total $243,000 00 $2-19,090 00 219,990 00 

Cash in Company's principal office, 725 93 

Cash deposited in bank, t 54,837 72 

Interest due and accrued on stocks, 3,630 33 

Net premiums in due course of collection, r 11,101 35 



Assets of the Company at their actual value, $360,995 Gd 

III. LIABILITIES. 

Losses adjusted and unpaid, 8.152 00 

Losses reported and unadjusted, 7,214 00 

Losses resisted, 5,310 00 

Net amount of unpaid losses, 20,676 00 

Unearned premiums oa fire risks, one year or less, 66,332 22 

Unearned premiums on risks more than one year, 23,114 55 



Amount of unearned premiums as computed above, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



89,446 


77 


110,122 77 

200,000 00 

50,872 89 



Total liabilities, including capital and surplus, .' $360,995 66 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, 182,827 09 977 f>2 

Deduct re-in=urance, rebate, abatements 

and return premiums, 20,231 23 



Actual cash premiums, 162,595 86 977 52 163,573 38 

From interest on bonds and mortgages, 2,419 42 

From interest on loans and dividends on stocks and bonds, ...... . 17,077 45 

Actual cash income, $183,070 25 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $17,551.10 occur- 
ring in previous years,) 111,455 10 

Deduct salvage, 242^23 

Net amount paid for losses, 111,212 87 






MERCHANTS IN8URANCK COMPANY. 209 

24,< 

aissiona or brok< 878 28 

B 14,8' 

6,11 

ml oaah expenditarea * $1 



VI. MIS< ELLANEOUS. 



Premiums. 



in force b mora than one yenr to 
year to ran from date of policy 10,894,505 00 182.664 44 

1 not more than three 
* to ran from date of policy 2,812,909 00 28,154 56 

Having more than tl. to ran from date of 
policy. 884,177 00 11,818 77 



18.591,691 00 172,684 76 

Premioma reoaWed unoe the organization of the Company, 8,793,626 05 

1. — •. i. I since the organization of the Company. 2,711,211 94 

808.000 00 

. direotora at data 45,550 00 

But I ' f in 1877. 

taken, (no 768,771 00 

Premiums received on same 9,504 52 

- paid 10,680 84 



27 



210 NhW UAiMPSHJKE INSURANCE COMPANY 



NEW HAMPSHIRE INSURANCE COMPANY, 

Manchester, N. H. 
Commenced Business, April, 1870. 
E. A. Straw, President. John C. French. Secretary. 

Attorney in Connecticut, J. G. North, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash $250,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 58,696 29 

Stocks and Bonds owned by the Company. 

Par Value, Market Value. 
U. S. and State Stocks : — 

United States Gov. bonds, 100,000 00 105,475 00 

State of New Hampshire, 6's, I4,0f0 00 15,820 00 

Municipal Bonds : — 

City of Manchester, N. H., 6's,... 44,500 00 47,170 00 

" St. Louis, 6's, 17,000 00 17,510 00 

" . Chicago 7's, 10,000 00 10,700 00 

" Cleveland 7's, 20,000 00 20,500 00 

" Toledo, 7's 7,000 00 7,000 00 

•' Concord, N. H., 6's, 2,000 00 2.100 00 

" Marietta, Ohio. 8"s, 10.000 00 10,500 00 

" Zanesville. Ohio, 8's 10,000 00 10,500 00 

Marion Co. Ind. Court House, 8's 25,V0i> 0!) 2(5,500 00 

Hillsboro County, N. H.. 6's, 5,000 oo 5.100 00 

Railroad Bonds : — 

Michigan Air Lir,e. 8's, 10,000 00 0,000 00 

Maine Central. 6's, 10.000 00 9,000 00 

Cheshire. 0*s, : 13.000 00 12.870 00 

OLicag. Burlington & Quinoy, 7's. 14,000 00 15,330 00 

Burlington & Missouri River. 7's. 10,000 00 1(1,950 00 

Jackson, Lansing & Saginaw, 8's, 10,000 00 6.500 00 

Burlington & M. R. Neb. 8's 15,000 Oo 16,500 00 

Baidroad Stocks : — 

Suncook Valley, N. H 4,ooo oo 4,000 00 

Bank Stocks : — 

City National, Manchester, 5,000 00 5,000 00 

Total, $355,500 00 $365,025 00 365,025 Oo 



NKW HAMP8II1KK IN8UHANCK COMPANY. 21] 

- in Collateral. 

Par Value. Market Value. Ami. Loaned. 

fcfanohes. A Lawrcu •• R EL, 5,000 00 6.250 00 5,000 00 

Amoakeag National Bank,... 1 ,000 00 1,250 00 1,000 00 

National [Bank 900 00 300 00 00 

United SUtes Bonds, 6's 500 00 500 00 100 00 

City of Uambri I 00 1,040 00 1,000 00 

r.P.l bymort. 8,000 00 6,000 00 

00 5,160 00 5,000 00 

$13,400 00 $23,090 00 $19,200 00 19,200 00 

in Company's principal offiee, 3,472 00 

in bank 28,561 96 

•ued on sto ska, 3,520 •">!» 

Interest due and aoorned on collateral loans, 1,48! 

Net preminms in due oonrse of collection, 7,173 69 

from agency, 889 69 



• >f the Company at their actual valne $4*2.971 65 



III. LIABILITIES. 

L and unpaid 15,727 no 

Losses reported and unadjusted 4,100 00 

1 MM) 00 



amount <<f unpaid losses, 20,627 00 

rned preminms on fire rNks, one year or less,... G-l.'.H'.' 21 
Unearned premiunia on risks more than one year,.... 33,947 30 



Amount of unearned premiums as computed above 98,866 51 



Total liabilities, except capital stock 119,493 "1 

Capital stock 250,000 00 

Surplus beyond capital, 113,478 14 

• d liabilities, including capital and surplus 8482,971 65 



IV. INCOME DURING THE YKAK. 

Premiums received in cash, 189,182 <".!> 

Deduct re-il -.-lute, abatements and return 

turns 18,041 47 



■iid cash pi 171,091 22 

From interest on bonds and mortgages 

Profits from agency 



$208,918 61 

V. EXPENDITURES DURING THE TEAR 

vio 

Cash dividends, 



212 NEW HAMPSHIRE INSURANCE COMPANY. 

Commissions or brokerage, 27 570 64 

Paid or allowed for salaries and fees, 7,333 46 

Paid for taxes, 4,697 16 

All other payments and expenses, 10.019 41 



Actual cash expenditures, $165,250 85 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 14,136,005 00 159,838 43 

Having more than one and not more than three 

years to run from date of policy, 2,228,33100 27,163 10 

Having more than three years to run from date of 

policy, 1,873,422 00 20,583 78 



18,237,758 00 207,585 31 

Premiums received since the organization of the Company, 910,663 17 

Losses paid since the organization of the Company, 414,221 52 

Cash dividends paid stockholders, 114,000 00 

Stock owned by directors at date, 83,000 00 

Loaned to officers and directors, 21,000 00 



Business in Connecticut in 1877. 

Fire risks taken, (no inland), 436,672 00 

Premiums received on same, 5,092 56 

Losses paid, 442 48 



NEWARK CITY [N8URANCE COM PA 1 218 



NEWARK CITY [NSURANCE COMPANY, 

Nrw \kk. N. .1. 
Oommenoed Business, March 21, I860. 

■ J. I \ > 1 1 : K 1 1 : 1 ; . PfWidttU. ["JOHN ScHMELLBACnER. Si I'l-ttilVJ/. 

At' Connecticut, Ohak. Wilson. Now Haven. 



I. CAPITAL. 

ral actually paid up in cash, ' (200,000 00 

II. ASSETS. 

Real estate owned by the Company, unencumbered 84,500 00 

Loans on bond and mortgage, (first liens), not more than one 

! due, 112,200 oo 

Loans on bond and mortgage, (first liens), more than one year's 

interest due 1,500 00 

Interest due on bond and mortgage loans ^,80'j 75 

Value of the land mortgaged, $99,000 

Buildings (insured f<>r (150,150) 200,700 

D.700 

<</ Bond* oumed by th< Company. 

Par Value. Karkel Value. 

;:s: — 



Q. s. l, m K : - jold 


1,001 


1,067 ■"><» 







l. .-.(to mi 


1,541 •-'•"» 







9,000 oo 


9,247 50 




1871, -Vs. gold 


10,000 on 


10,625 00 




IfUHiaiPAX Bonds : — 








I . - c Oountj Etoad [mproye 


] 1,000 00 


L4,98( 




. irk Oilj Win- Bounty 


8,000 1 


8,240 <" 




Eosex County Bounty,. 


(Ml 


l 00 




Emprorement, 


10,01 


11,20 







..-,11(1 (II) 




55, 1 


:lice.. 








Cash deposited in Hank, 









214 



NEWARK CITY INSURANCE COMPANY. 



Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, . 

Net premiums in due course of collection 

All other property belonging to the Company, 



Assets of the Company at their actual value, 



401 


26 


139 


63 


6,659 


57 


1,071 


58 


$305,830 


75 



III. LIABILITIES. 

Losses adjusted and unpaid, $10,572 73 

Losses reported and unadjusted 2,352 00 

Losses resisted, 625 00 



Net amount of unpaid losses, 

Unearned premiums on fire risks, one year or less, . 
Unearned premiums on risks more than one year,.. 



Unearned premiums as computed above,... 
Principal on unpaid scrip or certificate 1 ? of profits. 



Total liabilities except capital stock. 

Capital stock, 

Surplus beyond capital, 



55.593 19 
5,086 (59 



Total liabilities including capital and surplus,. 



13,549 73 



60,679 88 
3,042 00 

77,271 61 

200,000 00 

28,559 14 

6305,830 75 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 135,844 09 

Deduct re insurance, rebate, abatements and return 

premiums, , 13,416 06 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, . 
From all other sources, 



122,428 03 
9,556 30 
5,604 06 
5,055 97 



Actual cash income, $142,644 36 



V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, (including $14,021.08 occur- 
ring in previous j'ears), $95,775 21 

Deduct re-insurance, 3,235 81 



Net amount paid for losses, 

Cash dividends, 

Scrip or certificates of profits redeemed in cash, 

Commissions or brokerage, 

Salaries and fees, 

Taxes, 

All other payments and expenses, 



92,539 40 

17,000 00 

165 00 

26,582 54 

14,136 00 

4,797 04 

7,209 63 



Actual cash expenditures, , 



$162,429 61 



NEWARK COT IN8URANC1 COMPANY. 216 

vi. ME30ELLANE01 - 

T i PoUcyholdem 

Borip dividends declared to data (1 10,229 81 

Deduct amoonl I in oash 107,187 91 

Lb 8,0 iv 

pnot actually delivered 9,979 00 

I 0< DION than one ] 

run from date of policy 9,522,171 00 111,18$ B7 

1 not more than three 
ran from date of policy (81,838 00 6,202 41 

Ig more than t:. to rnn from date of 
poliey 148,087 00 2,284 'it 



110,151,641 00 119,678 42 

ired since the organisation of the Company 989,106 00 

Loss- e the organization of the Company 857,618 

Cash dividends paid stockholders 187,641 4L' 

. owned by directors at date 

officers and directors 22,000 00 

. dividends 100,000 00 

Loaned to stockholders not officers, 2,000 00 

' 'onnecHcut in 1877. 

Firei a (no inland) 202,789 06 

Premiums received 2,6! 

Losses paid 1,747 76 



216 NEW YORK CITY INSURANCE COMPANY. 



NEW YORK CITY INSURANCE COMPANY, 

New Yoke City„ 

Commenced Business, March 1, 1872. 

Kjchaed L. Franklin, President. John W. Simonson, Secretary. 

Attorney in Connecticut, H. L. Cannon, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash,.. $200,000 00 

II. ASSETS." 

Stocks and Bonds oioned by the Company. 

Par Value. Market Value. 

U. S. Stocks: — 

U. S. Bonds, 5-20's, 1865, reg.,... 101,000 00 104,282 50 

new 5's, 1881, li ... 50,000 00 53,187 50 

" currency 6's, " ... 50,000 00 60,000 00 

Miscellaneous : — 

N. Y. Guaranty & Indemnity Co., 5,935 00 5,935 00 



Total $206,935 00 $ 223,405 00 . 223,405 00 

Cash in Company's principal office, i,624 89 

Cash deposited in bank, 9,860 71 

Net premiums in due course of collection,. 11,028 75 

Amount of premiums unpaid on policies which have 

been issued more than three months, $935 99 

Assets of the Company at their actual value $245,919 35 



III. LIABILITIES. 

Losses adjusted and unpaid, 5,709 6G 

Losses reported and unadjusted, 3,005 00 



Net amount paid for losses 8,714 66 

Unearned premiums on fire risks, one year or less,... $36,304, 88 
Unearned premiums on risks more than one year,... . 6,150 19 



Amount of unearned premiums as computed above, 42,455 07 

All other demands against the Company, ' 3,062 96 



Total liabilities, except capital stock, 54,232 69 

Capital stock, 200,000 00 

Total liabilities, including^ capital $254, 232 69 

Impairment, 8,313 34 



nkw York CITY INSURANCE OOMPAli 

iv. CNOOICE DURING THE \T.vi;. 

Premiums i 16,861 20 

ments an. I retarn 

16,762 7:; 

tab premiui 99,6< 

ad dividends oo Btooks and bonda 11,901 68 



$111,610 00 

v. EXPENDITURES DURING THE TEAR. 
| 2. 000. no occur- 
ring in previous years) 3 67 

I 97 

amount paid to 46,273 70 

I dividends, 20,000 oo 

ror commit 17,205 N 

Paid or allowed for aalari i 13,452 71 



All other] 

ttualoaah expenditures $114,241 61 



VI. MISCELLANEi 



Premiums. 



in force having not more than one year to 

run from licy 7l',>. 

»re than one and not more than tJ 

run from date of policy 1,286,549 oo B,949 4!> 

g more than three years to run from date <>f 
policy no 2,401 s;» 

10,562,762 no B8,961 1 t 

Premiums received since the organization of the Company 694,552 00 

- paid sinoe t!. •. ; 

Oaahdiridi no oo 

7'.'. !> 

Fire i 1 





218 NIAGARA FIRE INSURANCE COMPANY. 



NIAGARA FIRE INSURANCE COMPANY, 

New York City. 

Commenced Business, August, 1850. 

Henby A. Howe,, President. Peter Notman, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL 
Capital actually paid up in cash, , * $500,000 00 

II. ASSETS, 

Real estate owned by the Company unencumbered 22, 500 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due,. 114,9.50 00 

Interest due on bond and mortgage loans, 4,023 00 

Value of the land mortgaged, $145,500 00 

Buildings, (insured for $96,250), 110.000 00 

$255,500 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks:— 

U. S. bonds, currency 6's, reg.,... 300,000 00 363,000 00 

" 6's, 5-20's of '65, new, 50,000 00 51,500 00 

" coup., 20,000 00 20,000 00 

'« 4£'s, registered, 250,000 00 253,125 00 

Alabama bonds, Class " A" 10,000 00 4,200 00 

Municipal Bonds : — 

New York City 7's, 1892-1900, 48,000 00 56,120 00 

" 6's, 1879, 32,000 00 32,800 00 

5's, 1926, 120,000 00 121,200 00 

Brooklyn City 7's, 1910, 5,000 00 5,750 00 

Jersey City 7's. 1897-1913, 20,000 00 22,200 00 

Total, , $855,000 00 $930,495 00 930,495 00 



NIAGARA nRB INSURANCE COMPANY. 219 

mi <>/i Collateral. 

\ alue. Market Value. Ami. Loaned. 

Con. B. K. X. J. oonT. bds. 

1 - v 

N. J. Oen. EL EL A. D. 

by N. •'. Gen. 
B. EL Dolphin sfsnuf. 

DO 1 18,800 00 100,000 <>o 

Oheea] l. U.K. bds. 

bds. end. 
■ - I ..nno no 70,000 <"< ;.(i.(HMi 00 

w. b. i:. 

B. B. Buff. B. A- P. BLB. 

bo:. EL B 86,450 00 25»050 00 18,500 00 

Cen. K.ft. X. J. com 

•' stork- lG.ooo 00 8,680 "» 1.700 oo 

S •.t.Bk.Stanifor.l. Cfc 
X.Y. X. II. A- Hurt. EL EL 
United States bonds,.... 8,100 no 4,400 00 2,800 00 

.••vcc.X.Y. 

Oily of Augusta 8*8, . 1,732 00 1,300 00 

oo 1,500 "•> 1,000 do 

Lorillard 1 920 oo 600 00 



Total I oo 175,900 00 

Cash in Company's principal otik-e 2,291 00 

Cash depo- '_'.;. 71!) 00 

Interest due and accrued ■ 5,781 00 

Interest due an . on collateral loans 1,288 00 

3 premiums in due course of collection 8-1,032 00 



i of the Company at their actual value $1,368,579 00 



III. LIABILITIES. 

id ' 

Losses rep. : > 

1!."! 



■mount of unp 

ried prenii 9 00 

■': 00 

of unearned premiums si rre 840,485 00 

'••'i' u 1 



o | o 


$1,84 



220 NIAGARA FIRE INSURANCE COMPANY. 

IV. INCOME DURING THE YEAR, 

Premiums received in cash, '. 629,809 00 

Deduct re-insurance, rebate, abatements and return 

premiums, 78,682 00 



Actual cash premiums, 550.627 0o 

From interest on bonds and mortgages, 8,176 00 

From interest on loans and dividends on stocks and bonds, 56,902 00 

Actual cash income, $615,705 00 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $65,635.) occur- 
ring previous years,) 342,906 00 

Deduot salvage and re-insurance, 15,046 00 

Net amount of unpaid losses, 327,860 00 

Cash dividends, 60,047 00 

Commissions or brokerage, 89,633 00 

Salaries and fees, 61,238 00 

Taxes, 17,130 00 

All other payments and expenses, 74,152 00 

Actual cash expenditures, $630,060 00 



VI. MISCELLANEOUS. 



^Premiums. 



Risks in force having not more than one year to 

run from date of policy, $36,703,689 00 385,218 00 

Having more than one and not more than three 

years to run from date of policy, 19,759,330 00 193,781 00 

Having more than three years to run from date of 

policy, .- 6,484,519 00 96,802 00 



62,947,538 00 675,801 00 

Premiums received since the organization of the Company, 10,242,452 00 

Losses paid since the organization of the Company, 5,804,105 00 

Cash dividends paid stockholders, 1,404,000 00 

Stock owned by directors at date, 221,700 00 

Loaned to officers, - 102,800 00 

Loaned to stockholders not officers, 104,100 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland,) ,... 1,396,542 00 

Premiums received on same, 14,733 45 

Losses paid, 7,202 48 



M'l.VllKKN INSURANCE COMPANY OF N, V. 221 



NORTHERN [NSURANCE COMPANY OF NEW 5TORK, 

Wai 1 l.loW s. X. V. 

Oommenoed Business, Iffsxcb 28, i v 7_. 

A. n. What, Secretary. 
. JiTDAB F»TBBM| New Haven. 



I. CAPITAL. 

Capital actually paid up in cash £250,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 33,400 00 

Loans on bond and mortgage, (first liens,) not more than one 

186,278 12 

- on bond and mortgage, (first liens.) more than one year's 

interest due. (of which $20,000 is in process of foreclosure,) 200 < 

Interest due and accrued on bond and mortgage loans 10,220 80 

Value of the lands mortgaged 264,650 00 

Building 0,) 92,750 I 



$3.") 7, 4 00 00 

■'.-* and Honda owned by the Company. 

Par Value. Market Vain**. 
stocks : — 

tered 50,000 00 58,3 

■ - : — 

• 00 -loo 00 
. 

B., W. i O. B. B H.ooooo 14,00 

Th- . guaranteed,... 10, 10." 

Keokuk a 4,000 10 00 

iinton l,o(io 00 1,000 00 

Carthage. Wat l.o 



oo $88,712 

wu on Collateral. 

Par Valuf. M 

3 



222 NORTHERN INSURANCE COMPANY OF N. Y. 

Par Value. Market Value. Amt. Loaned. 

Jefferson County Bank, 5,000 00 5,500 00^ 

Bond & Mort. City Propoity, 324 05 324 05- 6,045 55 

R., W. '& C\ R. R. bonds,.... 1,000 00 1,000 00) 

Bd. & Mort. Town Clayton,. 1,730 00 1,730 00 600 00 

" Ilounsfield, 1,000 00 1,000 00 900 00 



Total, $35,054 05 $32,454 05. $23,545 55 23,545 55 

Cash in Company's principal office "2,452 2Q 

Cash deposited in banks, 30,209 80 

Interest due and accrued on stocks, 108 88 

Interest due and accrued on collateral loans, 332 51 

Gross premiums in due course of collection, 17,475 31 

Rents due and accrued 177 11 



Assets of the Company at their actual value, $371,112 34 

Other Assets. 

Office Furniture, safe and maps, 2,000 00 

Cash in bankrupt bank, 5 per cent, of claim, 774 86 

$2,774 86 



III. LIABILITIES. 

Losses adjusted and unpaid, 2,422 42 

Losses reported and unadjusted, 4,850 00 

Losses resisted, 1,750 00 



Net amount of unpaid losses, 9,022 42 

Unearned premiums on lire risks, one jear or less, 64,432 72 

Unearned premiums on risks more than one year, 10,272 95 



Amount of unearned premiums as computed above, 74,705 67 

All other demands against the Company, 2,039 07 



Total liabilities, except capital stock, 85,767 16 

Capital stock, 250,000 00 

Surplus beyond capital, 35,345 18 



Total liabilities, including capital and surplus, $371,112 34 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 165,137 61 

Deduct re-insurance, rebate, abatements and return 

premiums,.. 19,980 61 

Actual cash premiums, 145,157 00 

From interest on bonds and mortgages, 9,538 90 

From interest on loans and dividends on stocks and bonds, 5,936 80 

From all other sources, 1,463 96 

Actual cash income, $162,096 6S 



i 



SO* OOMP IN"J OF N. \ . 

V. EXPEND] rURES DURING THE Yi' ! 

Amount paid f including $7,869.62 ooonr< 

ring in previous years) 81,450 

Deduct ro-insur 1,197 84 



nnount paid for losses, 

dividends 

• ::*. :>: 

ffioe and agency expenses, 18,1 

4,722 .-,<; 

All other payments i 18,6 



Aetna! cash expenditures 1 1/50,141 85 



VI. MISCELLANEOUS. 



Premium?. 



a in force having not more than one year to 

run from date of policy 8,464,271 20 128,86a 4:. 

Having more than one and not more than three 

run from date of policy 1,282,478 14 18,499 61 

• g more than three years to run from date of 
of policy 249,011 66 

9,945,756.1 9 146,267 55 

Premiums received since the organization of the Company 14] :':: 

1 since the organization of the Company 

Cash divio 10,000 00 

Stock owned by directors at date 90, t 

Loaned to directors 12,045 55 

Butine** in Connecticut in 1877. 

Fire risks taken, (no inland 126,442 78 

received on same I,9i 



224 NORTHWESTERN NATIONAL INSURANCE CO. 



NORTHWESTERN NATIONAL INSURANCE COMPANY, 

Milwaukee, Wis. 

Commenced Business, July 1, 1869. 

Alexander Mitchell, President. John P. McGregor, Secretary. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $600,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 151,000 00 

Interest accrued on bond and mortgage loans, , 1,953 33 

Value of the lands mortgaged, 291,000 00 

Buildings (insured for $118.000.00), 145,500 00 ' 

436,500 00 

Stocks and Bonds owned, by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States registered 6's, 1881, TO, 000 00 74,550 00 

" 5's, 1881, 110,000 00 115,775 00 

" 5-20's, '65, 25,000 00 25,687 00 

" 5-20's, '67, 17,000 00 17,913 00 

" Cur. G's,.... 100,000 00 120,000 00 
Railroad Bonds : — 

Milwaukee & St. Paul, reg., 15,000 00 17,700 00 

Chicago,Mil. & St. Paul, 1st mort, 40,000 00 40,000 00 
Municipal Bonds : — 

Milwaukee City Water 7's 150,000 00 165,000 00 

Miscellaneous : — 

Milwaukee Iron Co.", 20,000 00 10,000 00 

Total, $547,000 00 $586,625 00 586,625 00 

Cash in Company's principal office, 1,502 16 

Cash deposited in bank, 84,681 24 

Interest due and accrued on stocks, 500 00 



SOU ill 1 N\ HON \l. INSURANCE 225 

premiums in dn< I eolleotion 28,618 01 

681 60 

All other pi o the Company, 2,884 n 



ie Company at their actual value 



III. LIABILITIES. 

tsted and unpaid not due 1,028 7!» 

! 14,021 16 

- resisted 2,000 00 

imount of unpaid losses 17. <)<.". l'.". 

rned premiums ou tit*- risks, one year or less,... 100,970 .">c. 

rned premiums < <r 15,947 08 

on am spin d marine risks.. ;;. 100 00 

-i 

Amount of unearned premiums as computed above 150,817 59 

Is against the Company, i.;_ 



I liabilities ital stock 172,0< 

Capita] Btock 600,000 00 

81,811 •;•; 



Total liabilities inclndu land surplus (853,395 '■','• 



IV. INCOME DURING THE YEAK. 

Ifarlne. 

incish 278,752 17 42,526 71 

ace, rebate, ab itements 
and: liums 34,503 95 722 35 



Actual c turns 244,248 22 41,804 39 286,052 61 

From 11,440 00 

L bonds 112 48 



ooome (832,805 <»i 

v. EXPENDITURES DURING THE YEAR. 

Plre. Marin* 

including I 

! 19,772 M 
Decl'i 20fl 











Actual cash expenditure ¥ 



226 NORTH WESTERN NATIONAL INSURANCE CO. 

VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 17,989,892 00 201,911 13 

Having more than one and not more than three 

years to run from date of policy, 5,947,307 00 71,281 13 

Having more than three years to run from date 

of policy, 1,400,380 00 20,840 04 



25.343.595 00 294,008 30 

Marine. Premiums. 

170,000 00 3,400 00 

Premiums received since the organization of the Company, 3,029,032 23 

Losses paid since the organization of the Company, 1,747,242 35 

Cash dividends paid stockholders, 180,000 00 

Stock owned by directors at date, 327,000 00 

Stock dividends declared, 174.000 00 



Business in Connecticut in 1877. 

Fire risks taken (no inland,) 123,510 00 

Premiums received on same. 1,704 75 

Losses paid, 2,528 71 



P u:k FIRK INSI R INCI COMP \NV. 22' 



PARK III: i: [NSUKANCE COMPANY, 

Nl W VoiiK (' 

mmenoed Business, starch, 1858. 
Wit Jatfaat, President, Wm. Vai.i.mink, Secretary 

B, WILSON, New Hav.-n 



I. CAPITAL. 

I np in cash $200,000 00 

II. A8S 

/'/* owned by tfu Company. 

P tr Value. Market V :i . 
Q. 8. a 

r. - 15,000 oo -". oo 

•• ... 60,000 00 51,760 00 

irrenoy, 1896* reg 10,000 00 12,100 00 

170,000 00 209,100 00 

25,00 ' 00 80,750 00 



819,526 00 

Cash I ink, 1,849 86 

ie and accrued 57 60 

premiums in due C \ | 



AmeU of the Conipau; ictual value. $335,007 76 



in. LLABHJTL1 

Losses ad jn st ed and 

'■'■' 

Lorn I r. listed 1.001 



• - 6, l '.' 

•.•• y*-.ir or 
Unean. 



228 PAKK FIRE INSURANCE COMPANY. 

All other demands agaiust the Company, 767 56 

Total liabilities except capital stock, .... 33,047 25 

Capital stock, 200,000 00 

Surplus beyond capital, < ., 102,5(;0 51 

Total liabilities including capital and surplus, $335,607 76 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 59,546 84 

Deduct re-insurauce, rebate, abatements and return 

premiums, 5,474 71 

Actual cash premiums, 54,072 13 

From interest on loans and dividends on stocks and bonds, 18,750 88 

Actual cash income, $72,823 01 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $1,892.24 occurring in previ- 
ous years.) 

Cash dividends, 

Commissions or brokerage, 

Salaries and fees, 

Taxes, 

All other payments and expenses, 



Actual cash expenditures, 



24,905 


96 


40,000 


00 


6,721 


94 


11,402 


10 


41 


4:5 


7,875 


54 


•$91,036 


97 


Premiums. 


51,231 


85 


819 


21 


15 J 


40 



VI. MISCELLANEOUS. 

Risks in force having not more than one year to 

run from date of policy, 8,607,816 27 

Having more than one, and not more than three 

years to run from date of policy, 94,650 00 

Having more than three years to run from date of 

policy, 12,300 00 

$8,714,766 27 52,202 46 

Premiums received since the organization of the Company, 2,196,288 12 

Losses paid since the organization of the Company, 1,088,924 04 

Cash dividends paid stockholders, 606,000 00 

Stock owned by directors at date, 49,900 00 

Business in Connecticut in 1877. 

Fire risks takeu, (no inland,) 89,000 00 

Premiums received on same, 710 52 



N8YLVANIA FIRK INSURANCE COMPANY. 



PENNSYLVANIA FIRE INSURANCE COMPANY, 

PhXLADI l.ini \. Pi. 

Commenced Business, April, I 
John Dzvbbsux, President. Wu Q* Cbowxll, Secretary. 

■','■■■. '. B B. Ai.i.i.x, Hartford. 



I. CAPITAL. 
Capital actually paid np in cash. $400,000 00 

ff. A8S1 

• state owned by the Company unencumbered 96,700 <><> 

on bond and <\ more than one 

; doe 417,007 <><> 

Interest >nd and mortgage loans 15,31 

Buildings (insured t $1,055, 

id Bonds owned by the Company. 

Par Value. Market Value. 

9 and State Stocks : — 

Dni 1 15,000 00 152,250 00 

1881 80,00 81,951 

Del. 20,000 00 21,000 00 

Philadelphia City Warrants 87,403 00 

11 6s 50,( 00 00 56,250 00 

" .".'s i(i') 5,775 00 

mi i B,000 <>i> 

'.»uis • 6> 25,000 00 25,000 00 

'i •' 7 3-10'n 38,000 00 00 

•• 7*a 10,000 00 10,000 " ;l 

i 00 12,000 (»(• 

•• : - 60,000 00 I 

" 7*i 2 •» do 

00 10 00 

1 lelphial ; 00 

Phila 

•■ <■ -. 10,500 00 

1 1 .v. 



280 



PENNSYLVANIA FIRE INSURANCE COMPANY. 



Philadelphia & Reading con. : s... 

Delaware 1st rnortgoge 

Philadelphia & Erie 1st inort. 6's, 
North Pennsylvania 1st mort. 6's,. 
Lehigh Valley 1st mortgage 0's, ... 
" con. " " ... 

Har.,P.,Mt. Joy & Lan. 1st m. 6's 
Elmira & Williarasport, " 7's, 

West Jersey con. mort. 7's, 

Penn. & N. Y. Canal & R. R. 7's, 
United Cos. of N. J. con. mor. 6's 
So.Cen. of N.Y. 2d mort, 7's,;gold 

Miscellaneous : — 

American Steamship Co. G's, 

Schuylkill Nav. Co., 2d mortgage, 

1st 
Lehigh Coal & Nav. Co. 1st m. G's 

gold, 

Chesa. & Del. Canal Co. 1st m. G's 
Delaware Division Canal Co. G's,,. 
Phila. Read. Coal & Iron Co. 7's,. 
Manayunk Gas Co., 



Par Value Value. 
20,000 00 
15.000 00 
25,000 00 
40,000 00 
33,000 00 
22,000 00 
20,000 00 
25,000 00 
10,000 00 
24,000 00 
60,000 00 
20.000 00 

15,000 00 
12,000 00 

8,000 00 
29,000 00 
20,000 00 
10,000 00 
20,000 00 
20,000 00 

1,000 00 



Market 
20,000 00 
15,300 00 
25,750 00 
42,000 00 
35,970 00 
21,120 00 
20,600 00 
25,625 00 
9,300 00 
26,640 00 
60,900 00 
20,000 00 

11,100 00 

7,56C 00 

7,291 00 

29.870 00 

17,200 00 

7,300 00 

16.000 00 

12,000 00 

1,000 00 



Total,. 



1,069,803 00 $1,086,619 59 1,086,619 59 



Loans on Collateral. 

Par Value. Market Value. 

Ins. Co. State of Penn., 1,200 00 1,680 00 

Cash in Company's pi'incipal office 

Cash deposited in banks, 

Gross premiums in due course of collection, 



Amt. Loaned. 
1,000 00 



1,000 00 

6,235 78 

28,443 (16 

73,110 <J4 



Asset-; of the Company at their Actual value $1,724,481 36 



III. LIABILITIES. 

Net amount of unpaid losses, 

Unearned pi'emiums on fire risks, one year or less, 212,623 62 

Unearned premiums on risks more than one year, 109,397 67 



Amount of unearned premiums as computed above, 
Amount reclaimable on perpetual fire insurance policies,... 
All other demands against the Company, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



38,000 00 



322,021 29 

397,304 15 

22,000 00 

779,325- 44 

400,000 00 
545.155 92 



Total liabilities, including capital and surplus $1,724,481 31 



' w ■ \ MRR INSURANCE COMPANY. 

iv. [NOOME DURING Tin: vi:.\k. 

508,445 58 

mental and retain 

I 64 

i il oaah premiama, 



as and dividends on stool 

168 34 

Lved on per. risks. $14,533.64 

koaleaah Ineome $625,452 R8 



v. EXPEND] il MNG THE YEAR. 

(l occur- 
ring in previous years) 292, 132 90 

11, H 



smoont paid for losses, 280,429 16 

S, I".' 

osorbroi 76,975 15 

Bee and agency expenses 78,617 92 

14,749 71 

Allot] 17,836 94 

xpemlitures,... $504,61 



VI. MISCELLAN1 



Premiums. 



in foree having uol more than ana year to 

run from date <»f policy 33.071,406 00 426.247 25 

g more than one and not mora than three 

ran from date of policy 7. •_'::•;.'.• 10 00 

Having more than t to run from date of 

of policy 6,745,648 00 112,490 70 

Perj 15,9* 50 19 

-i »;:. 

the organization of the Company <"•. 7 I 

• ion of the Company . MK) 







Loteaa paid. 4,17 



232 people's insurance company. 



PEOPLE'S INSURANCE COMPANY, 

Newark, N. J. 

Commenced Business, Oct. 11, 1807. 

John M. Randall, President. I. H. Lindslet, Secretary. 

Attorney in Connecticut, C. M. Webster, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 151,545 65 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 121.508 00 

Loans on bond and mortgage, (first liens,) more than one year's 

interest due, 17, 700 00 

Interest due and accrued on bond and mortgage loans, 5.671 22 

Value of the lands mortgaged, 150,000 00 

Buildings, (insured for $141, 800.) 149,300 00 



$299,300 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States G's, 1881, 100,000 00 10(1,025 00 

Municipal Bonds : — 

Essex Co , Road Improve 9,000 00 9,900 00 



Total, , $109,000 00 $116,525 00 116,525 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Newark City lee Co 15,700 00 15, TOO 00) 

American Trust Co., 5,000 00 3.750 00 £ -'0,000 00 

Essex Co. Nat. P^nk, 5.0(H) 00 6,250 00 } 

National State Bank, 3,000 00 3,390 00 1,700 00 

American Trust Co., 1,000 00 750 00 600 00 

5,000 00 3,750 60 2,000 00 

Newark & Irvington R. R. 10,000 00 10,000 00 5,000 00 

Merchants National Bank. 2.500 00 2.125 00 1.800 00 



PKOPLfc'S I N8UKAN0K COMPANY, 288 





Pa* Vain.-. M irkrt \':ilu 


•. Anit. : 




Ameri 


l.n | i . 001 






\ j Gas L 


I 00 

1 on 


1,800 00 




1 






as (i i> Li $hl 1 '•• 


6,250 00 IS 00 


1,250 00 




l&orria t San J bonds 


00 i 00 
■ i 00 


2 000 1 
1,474 <;*.) 




il Bank.. 






i 00 160,515 00 \ 


140,024 69 


40,021 69 
10,8? 




Cash in Comp m\ '« prin sipaJ 


ottos, 


C:isb «1 






:;i 86 1 *M 




collateral loans 




760 60 


v ■■ wiiums in doe 

All otfa 

Office furniture 


of collection 




16,287 24 

2 577 3* 


t'> the* Company 






.$2,708 65 





Assets • f th.> Company at their aotnaJ value S~> 1 7.:J *:i 29 

III. LIABILITIES. 

Loaaec Land unpaid, 24,878 24 

anadjoated 8,950 00 

2.500 00 

N ' mnt of nnpaid losses 80,82 

Uneai iamaon fire riakH, one year or less, 116,670 21 

i'lms on risks more than one year 17,268 17 

Amount <<f unearned premiums as compated above 133 938 38 



b, except capital stock, 164.7 

* 800,000 00 

Sur: itaJ 52,576 <>7 



■ al liabilities, including capita] and surplus $517,343 2!) 

IV. is OMi: DURING THE YEAR. 

8 17,559 00 

: i md return 

88, 129 l i 

Ae- 809, IS 

19 1 1 

o losns snd dividends on atooka and bonds 12,240 09 



$3 

v. DUBING THE FEAR. 

: 79,678 72 

■ I 41 

17 . , 

Cash : 



234 people's insukanok company. 

Scrip or certificates of profits redeemed in cash, 789 70 

Commissions or brokerage 65,410 66 

Salaries and fees, 1 8, 1 1) 4 46 

Taxes, 9,12!) 57 

All other payments and expenses, 4,508 05 



Actual cash expenditures, $290,217 7i 

VI. MISCELLANEOUS. 

To Policyholders. 

Scrip dividends declared to date, 42,588 00 

Deduct amount redeemed in cash, 41,398 70 



Balance of scrip dividends, 1,189 30 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, $ 19,657,686 00 233,340 42 

Having more than one and not more than three 

years to run from date of policy, 2,486,6(55 00 23,624 55 

Having more than three years to run from date of 

policy, 639,953 00 8,712 87 



22.784,301 00 265,677 84 

Premiums received since the organization of the Company, 1,8(56.542 89 

Losses paid since the organization of the Company, 810,422 71 

Cash dividends paid stockholders, 161,220 00 

Stock owned by directors at date, ;.. 139.900 00 

Loaned to officers and directors, ....- 34.624 69 

Stock dividends declared, . 15.000 00 

Loaned to stockholders not officers, 7,000 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland,). 1,067,47 7 00 

Premiums received on same, 10,515 70 

Losses paid, 10,131 18 



PJRI INSURANCE COMPANY 



PEOPLE'S FIRE INSURANCE COMPANY, 

. : OH, N. J. 

Commenced Bush 
Chablhs Scott. 2 C. V. 0. Hurpht, Secretary. 

Attorney in ' n aim an. Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $3<)0,0<>0 00 

II. ASSETS. 

Loans on bond and mortgage, (fir^t liens) not more than one 

. *s interest due, 262,750 00 

Loans on bond and mortgage. ( first liens) more than one year's 

interest due, (of which $11.21)0,00 is in process of foreclosure). ] (5.200 00 

Interest due and accrued on bond and mortgage loans.. -il OH 

Vulue of the lauds mortgaged, 3;)."). 100 00 

Buildings (insured for $202,100.00), 331,000 00 

CGG,70O 00 

Stocks and Bonds owned by the Ctmpany. 

Par Value. Market Value. 
>CKS : — 

States Bonds, 108,000 00 110,083 Oo 

16,000 00 16,660 00 

pal Bond- : — 
Jersey Cite 25,000 00 27,* 

Eli/ 10,000 lo/ioo oO 

i 

uanics Nat. Bank, Trenton.... 7,500 75 00 

:. Bido m ;— 

United tt. K. ft Canal Co.*, N.J.. 4 

Central 1 

Pen: I 

Total, |256. 



238 people's fire insurance company. 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Assanpink Improvem't Co.... 10,000 00 10,000 00 3,775 00 

Pennsylvania R. R. Co., (5,700 00 4.418 00> v f 

First Nat. Bank, Trenton,... 5,200 00 6,760 00 \ 



Total, $21,900 00 $21,178 00 $12,775 00 12,775 00 

Cash deposited in bank, 23,905 94 

Interest due and accrued on stocks, 1,000 00 

Interest due and accrued on collateral loans, 223 56 

Gross premiums in due course of collection, 29,619 98 



Assets of the Company at their actual value, $009,308 54 



III. LIABILITIES. 

Losses adjusted and unpaid, 17,350 05 

Losses reported and unadjusted, 6,033 33 

Losses resisted, 2,713 05 



Net amount of unpaid losses 26,096 43 

Unearned premiums on tire risks one year or less, 75,037 67 

Unearned premiums on risks more than one year, 45,651 74 



Amount of unearned premiums as computed above, , 

Due and accrued for salaries, rent, &c, 

All other demands against the Company, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital, 



120,089 


41 


075 


20 


8,220 


17 


155,687 27 


300,000 


00 


153,081 


27 



Total liabilities, including capital and surplus, $609,308 54 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 201,597 39 

Deduct re-insurance, rebate, abatements and return 

premiums, 17,956 42 

Actual cash premiums, 183,040 97 

From interest on bonds and mortgages, 17,299 90 

From interest on loans and dividends on stocks and bonds, 16,945 18 

From all other sources, 785 Q5 



Actual cash income, $218,671 70 



V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses (including $11,723.73 occur- 
ring in previous years), 113.737 11 

Deduct salvage 9 13 

Net amount paid for losses, 113,727 98 



PEOPLES II KK INSURANCE COMPANY. 28 



tiridends 24,000 00 

Paid for commissions and broil 42,1 

Paid or allowed for aalari 

4,966 61 

All other paymenta and expenses ! i 61 

actual oaah expenditures 32 ii 



VI. MISCELLANEOUS. 



Premiums 



Risks in force having not more than one year to 

ran from date of policy 12,897,890 00 150,075 84 

Having more than on.' and not more than three 

ran from date of policy 2,747,042 00 82,688 84 

Having more than th to ran from date of 

policy 8,518,052 00 60,448 U 



18,657,984 00 248,207 82 

Premium':; received since the organization of the Company [ 1,4 67,679 98 

■ paid since the organization of the Company 412,157 29 

Cash dividends p rid stockholders 107,000 00 

; owned by directors at date 169,250 00 

Loan, ass and directors 9,000 00 

. dividends declared 100,000 00 

Business in Connecticut in 1877. 

Yiro risks taken. (no inland) 574.210 78 

Premiums rec.ived on same G,H<;7 67 

- paid, 3.0'.*7 713 



288 PHENIX INSURANCE COMPANY. 



PHENIX INSURANCE COMPANY, 

Bkooklyn, N. Y. 

Commenced Business, Sept. 10, 1853. 

Stephen Ceowell, President. W. R. Ciiowell, Secretary. 

Attorney in Connecticut, E. B. Gcodsell, Bridgeport. 



I. CAPITAL 

Capital actually paid up in cash, $1,000,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered 280,000 00 

Loans on bond and mortgage, (first liens), not more than one 

year s interest due, 250,125 00 

Interest due and accrued on bond and mortgage loans, 0,927 53 

Value of the land mortgaged, $101,150 00 

Buildings, (insured for $209,150), 310 100 00 

$477,250 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks :— 

U. S. bonds, 5-20's, '05s, new reg. 220,000 00 220,000 00 

5-20's, '07, reg., 400,200 00 491,841 00 

1881, coupons, 25,500 00 20,087 50 

1831, registered, 155,000 00 105,-102 50 

10-40's, reg., 77,000 00 .82,390 00 

" currency s, 50.000 00 00,000 00 

Tennessee, 45,000 00 10,200 

Noith Carolina, 10,000 00 1,500 00 

South Carolina 20,000 00 8,000 00 

Alabama, 10,n00 00 3,900 00 

Mississippi State warrants, 20,000 00 20,000 00 

Virginia State certificates, 14,772 33 738 61 

Municipal. Bonds : — 

Kings County (fs, 11,000 00 12,100 00 

City of Brooklyn 0's, 1 5, 000 00 16, 200 00 

Park Loan, 7's,. 5,000 00 5.850 00 



rilKMX INSURANCE COMPANY. 289 

no Bonds 

u City U. B 12,600 00 25,000 00 

istoD and lY\.i> 8,000 00 00 

s : — 

Comnx ui.l B klyn 8,000 00 

v., 1,000 oo i,2< n en 

iUn •' " B0,000 oo 'i oo 

Americ in Bx M " 80,< I 81,600 00 

Fourth National Bank, X. V 20,000 oo 20,(KK) oo 

nblio, X. V.... oi) 6,750 00 

\". V 20,0 "i oO 20.200 oo 

\. V 10,000 oo 12.000 oo 

1. N. V lo. no,, ( o ,, on 

. of Commerce, X. V 8,700 l 10,01 i oo 

Mechanics* Bank of Brooklyn 12,600 00 2S,12n 00 

. \ V 1,860 00 

Bank ol Brooklyn 4,000 00 10,000 00 

- : — 

3 m a. L. Co., Brooklyn, cert. 17,000 00 17,000 00 

Murk. 2o.o< t( 00 17.000 00 

York Mutual G. L. Co 80,000 00 27.000 oo 

People's G. L. Co.. bonds 47.00000 47,000 00 

10,000 00 

k 00 

Brooklyn Gas Light Co.. stock,... 00 1 1,460 00 

N. Y.GasIig ak 10.00000 12,600 00 

Uniuu Ferry Co., Brooklyn, .stock <;.:.( 9,760 00 

fcal, $1,497,672 :,:, $1,540,968 01 1,640,968 01 



Loan* on Collateral. 

Montauk Fire Ins. c ... Bkyn 

• 
Mechaiii •> 15 ink, 
Shoe A Leather X it. i 

1 

a J 

.. 

! 
1 

u 

I - i 

Union Pan »klyn,. 

;y Bonds, f>,000 00 



Par Value. 


Market Valne. 


An:t. 1. 




1,60 




( 

: | O 


oo 1 
1 00 [ 


0.17:. OO 


O , 


1160 00j 
1,600 


1,000 00 


6,000 00 


. 00 


5,600 00 


1:5.000 00 


16,60 







8,840 00 


22,000 00 




5,4< 






, (ni» 
















1.'" 








1,766 






l,0| 






00 





240 PHKN1X INSURANCE COMPANY. 



2,000 00 



Par Value. Market Value. Arnt. Loaned. 

Home Fire Ins. Co., N. Y.... 800 00 920 00 >_ 

Hamilton Fire " " .... 750 00 1,275 ooi 

Chi., Burlington & Q. it. R.. 5,000 00 5,000 00 4,000 00 

Brooklyn Life Ins. Co., 1,000 00 1,200 00 052 22 

Knickerbocker Ice Co., 2,000 00 2,000 00 1,000 00 

Am. Ex. Fire Ins. Co., 500 00 500 00 400 00 

People's Gas L. Co., Bkyn,.. 5,000 00 5,000 00 4,000 00 

Am. Ex. National Bank, 700 00 735 00 085 00 

Mech. & Tia. Nat. Bk., N.Y. 7,000 00 10.500 00 6,000 00 

Citizens' Bank, N. Y., 750 00 750 00) 

Hanover Nat. Bank, N. Y.... 2,500 00 2,500 00- 3,000 00 

Nor. & Wor. R. It. Co 500 00 500 00 ) 

N. Y. Mut. Gas Light To.,... 10,000 00 9,200 00) 

Merchants's Ins. Co., N. Y., 4,000 00 0,800 00 f 



10,000 00 



Total, $100,700 00 $118,820 00 $87,962 22 87,962 22 

Cash in Company's principal office, 558 81 

Cash deposited in Bank, 295,777 79 

Interest due and accrued on stocks, 6,254 66 

Interest due and accrued on collateral loans, 1,293 92 

Gross premiums in due course of collection, 214,^89 40 

Bills receivable, 23,287 74 

All other property belonging to the Company, 51,450 27 



Assets of the Company at their actual value, $2,759,001 45 

III. LIABILITIES. 

Losses adjusted^and unpaid, 5,534 64 

Losses reported and unadjusted, 154.774 97 

Losses resisted, 9,168 50 



Net amount paid for losses, 169,478 II 

Unearned premiums on fire risks, one year or -less 448,538 53 

Unearned premiums on risks more than one year, — 285,469 58 

Unearned premiums on inland navigation risks, 3,185 50 

Unearned premiums on unexpired marine risks, 57,715 00 

Amount of unearned pi'emiums as computed above, 789,908 61 

Rents due and accrued 2,000 00 

All other demands against the Company, 8,003 07 

Total liabilities except capital stock, 909,389 79 

Capital stock, 1,000,000 00 

Surplus beyond capital, 789,611 66 



Total liabilities including capital and surplus, i $2,759,001 45 

IV. INCOME DURING THE YEAR. 

Fire. M. & Ind. 

Premiums received in cash, 1,313,706 12 754,305 30 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 193,311 33 221,482 27 

Actual cash premiums, $1,120,394 79 $532,823 03 1,653,217 82 



PHBNIX IN8URAN0K COMPANY, LM 1 

lulls ind I piviniuiii- . 7.7 4 

17,;;<>4 08 

I dividends on atooloi and bondi 68 14 

nil other 8,6i 



$1,771,728 G7 

v. in RES DURING THE Yl.AK. 

Plre, M. 4 in. 

Aniount paid for losses inolacL >i."-l > .- 

ra . 958,072 4 1 ."»jt;,<;4i 20 
and re<insnrsnoe SIS, 194 



an( paid I • 58,072 41 828,446 40 968,51 

dividends, 200,000 <><> 

[missions or brol 245,410 52 

348 21 

26,702 60 

All other paym< 117,110 94 

Actual cash expenditure! (1,71 8,6£ 



VI. MISCELLANEOUS, 



Premiums. 



tying not more than one year to 
run from date of policy 106,017,046 00 1,021,694 88 

ire than one and not more than three 

run from .late of policy 24,879,883 00 287,954 12 

Having more than three years to run from date of 
policy 8,905,198 00 111,999 02 



139,802,071 00 1,420,947 47 

M. a in. Premium*. 

9,625,588 00 64,0* 

n of the Company, 24,315,098 

tion of the Company 12,621,027 41 

1,864,000 <>o 

181,100 00 

• 

18.410 no 



B ' - . 7 

• 1,687,51 







9A2 PPKSCOTT INSURANCE COMPANY. 



PRESCOTT INSURANCE COMPANY, 

Boston, Mass. 

Commenced Business, Jan. 15, 1873. 

Franklin Geeene, President. Francis H. Stevens, Secretary. 

Attorney in Connecticut, E. B. Huntington, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 80,000 00 

Interest accrued on bond and mortgage loans, 1,981 01 

Value of the land mortgaged, $97,160 00 

Buildings, (insured for $44,000) 45,000 00 



$142,100 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

City of Worcester, 40,000 00 40,000 00 

11 Cincinnati, 25,000 00 25,000 00 

" Boston, 10,000 00 10,050 00 

Railroad Bonds : — 

Boston & Lowell, 25,000 00 26,937 50 

Bank Stocks : — 

National Webster, 62,400 00 63,024 00 

Atlas 11,200 00 12,684 00 

Eliot 20,300 00 22.330 00 

Central 5,000 00 5,000 00 

Eagle 1,000 00 1,080 00 

Merchandise 10,000 00 10,025 00 

Market 10,500 00 11,130 00 

New England 4,700 00 6,274 50 

Tremont 12,000 00 12,930 00 

Second 10,000 00 14,025 00 

Blackstone 10,000 00 10,437 50 

Miscellaneous : — . 

Automatic Signal Telegraph Co.,. 1,000 00 1,000 00 



Total, , $258,100 00 $272,527 50 272,527 50 



- • : . ' • M PAN Y. 

ined. 

00 nil 



ink 

1,8 

ins, i - :.; 

□ 11,7! 



their aotnal value, $305,491 17 



III. LlAHlUIi 

id 

I and unadjusted, 

; 

mt of unpaid losses 

[urns «>n ftre ri.-ks. one year or \> bs,... 

than one year 87,827 20 



:ut of unei 11 55 



! stock, ,447 18 





■lading capital and surplus $895,491 17 



IV. THE VI 

Pren: h 161,46!] 

Deduct 
premiums - 74 

1 4' >. 7 io 58 










V. IB. 

fur- 
ring In p 

id sal vagi - 

CommifisioDH or hrokerap 



244 PRK8U0TT INSURANCE COMPANY. 

Paid or allowed for salaries and fees, 0,812 49 

Paid for taxes, 2,560 48 

Office and agency expenses, 12.009 20 



Actual cash expenditures, $140,318 00 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 9,880,700 00 115,968 70 

HaviDg more than one and not more than three 

years to run from date of policy, 652,463 00 10,290 75 

Having more than three years to run from date of 

policy, 4,525,337 00 68,908 81 



15,058,560 00 195,168 26 

Premiums received since the organization of the Company, 700,583 71 

Losses paid since the organization of the Company, 254,360 62 

Cash dividends paid stockholders, 70,000 00 

Stock owned by directors at date, 118,900 00 

Loaned to stockholders, not officers, 4,000 00 



Business in Connecticut in 1877. 

Fire risks taken, (no inland), 270,413 00 

Premiums received on same, 3,11 07 

Losses paid, 2,277 49 



K0V1DKNCK WASHINGTON IN8URAM 245 



PROVIDENCE WASHINGTON [NSURANCE COMPA 

I'l M 1 . II. I. 

.1 Business, 1 799. 

W IB! 

' W. I'.. P. \kik, Hartford. 



I. CAPITAL. 

lb $400, 

II. 

( mpany. 

9 .111.-. ftlUA 

- : — 

United States currency 60,000 <•<> 71. Too 00 

Dfl : — 

City of Chicago. S. B. Buckner,.. 4.".. coo (to 00 

ProTidenoe Notes 30,000 <><> 00 00 

I of No. America, Prov., 15,000 19,600 <»i) 

Bll National. " 00 

American »• " 20,000 00 

. -ial ■• •• 15,000 00 18,200 00 

bants 

13,40 

10,000 00 
of Commi 15,000 00 1 1,100 00 

N. V 5,000 00 00 

10,0 1 1,5( I 

oo 

- : — 

K.I. Hospital 



|467, M I 490, 



24:6 PROVIDENCE WASHINGTON 1NSURANCK CO. 

Cash in Company's' principal office,... 5 87 

Cash deposited in bank. 57,541 87 

Interest due and accrued on stocks, 3,109 00 

Net premiums in due course of collection 21,813 28 

Bills receivable 34,615 25 

Assets of the Company at their actual value .. $607,63") 27 



III. LIABILITIES. 

Losses adjusted and unpaid, 1.266 02 

Losses reported and unadjusted, 76,177 20 

Losses resisted, 1,050 00 

Total, 78,493 22 

Deduct re-insurance and salvage, 32, 540 60 

Net amount of unpaid losses, 45,952 62 

Unearned premiums on fire risks, one year or less, ... 60,217 54 

Unearned premiums on risks more than one year, ... 32,604 85 

Unearned premiums on inland navigation risks, 4,506 10 

Unearned premiums on unexpired marine risks, 43,683 49 



Unearned premiums as computed above, 141,011 98 

Cash dividends to stockholders remaining unpaid, 2,052 80 



Total liabilities except capital stock, 189,017 40 

Capital stock, 400, 0( 00 

Surplus beyond capital IS, 017 87 

Total liabilities, including capital and surplus, $'607,035 27 



IV. INCOME DURING THE YEUi. 

Fire. M. & In. 

Premiums received in cash, 173,320 20 196,340 6i 

Deduct re-insurance, rebate, abatements 

and return premiums,.. 27.595 15 19,284 (jo 



Actual cash premiums, 145,725 05 177,055 96 322,781 01 

Bills and notes received during the year for premiums, 36,240 6<~> 

From interest on loans and dividends on stocks and bonds, 29,119 03 

Actual cash income, $351,900 04 



V. EXPENDITURES DURING THE YEAR. 

Fire. M. & In. 
Amount paid for losses, (including $26.- 

079.58 occurring in previous years 107,067 75 146,873 24 

Deduct salvage and re-insurance, ... 1,467 42 10,496 91 

Net amount paid for losses, 105,600 33 136,376 33 241,976 66 



ISH1NGTON INS1 KAE 

■ -. 

i M 



All oil 

^ ; 14.8J 



VI. MISCELLAM 






mOW th;ui 

:n from .1 11,198,002 00 120,4; 

■ 

ruo from date of policy 10,718 U0 26,105 02 

run from date 

00 

1R,9< 

ML i Premium*. 
1,185, 188 00 '- 69 

. own. .1 by directors at date 00 

marine ami in □ 1,01 

Premium- 11,7' 

i 1 2,523 21 



248 RESOLUTE FIRE INSURANCE CCMHANV. 



RESOLUTE FIRE INSURANCE COMPANY, 

New York City. 
Commenced Business, July 20, 1857. 
John Gthon, President. Wm. M. Band all, Secretary. 

Attorney in Connecticut, G-eo. N. Morse, West Meriden. 



I CAPITAL. 

Capital actually paid tip in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 12,000 00 

Interest accrued on bond and mortgage loans, 70 00 

Value of the land mortgaged, 0,000 00 

Buildings, (insured for $12,600.00) 12,000 00 



18,000 00 



Storks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

' U. S. 5-20's, 18(5r>, new. coupons,. 49,000 00 50,347 50 

tc .1807, " 36.000 00 37",980 00 

.; 4 i' s " 13,000 00 13,438 75 

« **s, 'registered, 42.500 00 42.87187 

Municipal Bonds : — 

Brooklyn City 7's, «MKKMM 21.200 00 

Tota i $100,5011 00 $165,838 12 165,838 12 

Cash in Company's principal office, 805 76 

Cash deposited in bank 2,045 42 

Interest due and accrued on stocks, 1,125 00 

Net premiums in due course of collection, 



6,809 37 



Amount due for overpayment on re-insurance account 503 52 

Assets of the Company at their actual value, $ 1 89, 79 7 19 

III. LIABILITIES. 

Net amount of unpaid losses 6,213 70 

Interest due and declared remaining unpaid 732 84 



:• [RE INSUKANOK GOKPAN1 2 19 

1,000 00 

'<■ W 54 

00 00 

i • t! H ii»ilui. iding capital, \>, :>\ 

18,149 85 



IV. ENOOHE DUBIHG THE VKAK. 

77.i'i- 

ainenta ami return 
prcmioma, .. 41,450 



iges, 840 00 

:i loans an>l dividends on Btooks and bonds 11,458 82 

Lot sI7,s:»l> i!» 



v. EXPENDITURES DUKING THE YEAK. 
Amount paid for losses, (including $4,611.00 oocurringin predi- 
on- 59,311 80 

: in rash 10 '.<8 

rbrokenura 5,002 02 

19,04 

Taxe> 108 4:5 

Alio- and expenses 7,68 

Actual oash expenditures, $91,260 in 

VI. MI>CELLANEOI 
N*.. r ; -;^ in force — all re-insnred. 

nuns reoeiTed i >n of the Company 2,146.629 19 

1,486.794 7»; 

278, <" 

C7.' 

/.' ' im 1877 

682 00 

7:;7 :;-j 

Loaaaa paid - h 

2 



250 REPUBLIC BIKE INSURANCE COMPANY'. 



REPUBLIC FIRE INSURANCE COMPANY, 

New York City. 

Commenced Business, April 13, 1852, 

Robert S. Hone, President. Duncan F Curry, Secretary. 

Attorney in Connecticut, Judah Frisbie, New Haven. 



I. CAPITAL. 

Capital aotually paid up in cash, $300,000 00 

II. ASSETS. 

Real estate owned by the Company, unencumbered, 130,500 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 83,600 00 

Interest due and accrued on bond and mortgage loans, 347 66 

Value of the land mortgaged, $134,000 

Buildings (insured for $12,000), 13,000 

$147,000 

Stocks and Bonds owned by the Company. 

Par Value. Market, Value 
U. S. Stocks : — 



United States 5-20's, reg. '65 new, 
' ' currency 6 s, 


40,000 00 

35,000 00 
20,000 00 

5,000 00 
25,000 00 

25,000 00 

200 00 
4,000 00 


41,300 00 
42.000 00 
21,200 00 
5,4-00 00 
25,437 50 

31,250 00 

300 00 
4,000 00 




*• 5.20's, reg. 1867,... 

' ; 10-40's, reg., 

" 4's, reg 




Bank Stocks : — 

National Bank of Commerce, 

MiSCEI/LSNEOUS : — 

New York Produce Exchange, 

Delaware & Hudson Canal Co ,.... 




Total 


$154,200 00 


$170,887 50 


170,887 50 




479 27 


Cash deposited in Bank, 






9,101 80 



REPUBLIC KIRK INSUKANCK COMI' INY. 

Net premiums in dec 18,2! 

All i»- to the Oompenj 1,441 00 

in p iiiy nt th.ir actual value 



Ill LIABILITU 

1 and unpaid 98 

Loss.- i 6,708 17 

18,892 B8 

2\ 

1,601 

imonnt of unpaid losses 21,719 70 

■ned preminma on fire risks, one year or less, f, 433 44 

Unearn< d premiums on ria than one year 24,6 1 



'in put .• 1 above 71,979 82 

•ckholden remaining unpaid •_':;•_' 60 



Liabilities ipital stock, 131 62 

1 stock 800,000 00 

Surplus beyond capital 16,66] 66 



Total liabilities including capital and surplus 



IV. INCOME DURING THE YEAR. 

kfl received in cash 146,980 98 

Deduct re insurance, rebate, abatements and return 

preminma, 21,605 96 



Actual cash p. 124,475 18 

From interest on bonds and mortgages 5,846 00 

From interest on loans and dividends on stocks and bonds 11,011 66 

L8,6t 



Actual cash income $16 J,'.'.".l 79 



V. EXPENDITURES DURING THE TEAR 

•ur- 

7 ! . 

.".«; i 7 1 

















252 



REPUBLIC FIRE INSURANCE COMPANY. 



VI. MISCELLANEOUS. 

To Policyholders. 

Amount of scrip dividends declared to date, $7,295 00 

Scrip not actually delivered, 1,485 00 

Scrip dividends declared during the year, 

Marked-off or estimated earned premiums during the year, 

Cash received for premiums on participating policies, 



Risks in force having not more than one year 

to run from date of policy, 18,584,671 00 

Having more than one and not more than three 

years to run from date of policy, . 5,211,830 00 

Having more than three years to run from date of 

policy, 381,238 00 



$24,177,739 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Cash dividends paid stockholders, 

Stock owned by directors at date, 

Loaned to officers and directors, 



1,575 


00 


3,374 


92 


2,688 


11 


Premiums. 


94,866 


68 



44,274 67 

4,368 06 

143.509 61 

5,204,396 33 

3,083,622 22 

499,089 35 

91,700 00 

60,000 00 



Business in Connecticut in 187' 



Fire risks taken (no inland), 

Premiums received,. 

Losses paid, 



597,892 00 
6,020 58 
4,258 92 



KKVKKK 



PIRI INBURAB Ml'ANV 



REVERE FIRE ENSURANCE COMPANY, 

:. 1875. 
. i.MvN-, Frmi lent. * W. Bi u lory, 

>. K: LLOOO, Hartford. 



I. CAPITAL. 

h I 00 

II. A98ET& 

I and mortgage, (first liens), not more than one 

67,( 

i on bond itinl iiu»rt. 1,629 44 

Value of the land mortgaged I <><> 

Vidua of boildi] or $64, I 00 



§11 kOOO <><• 



pany. 
■ i!u<-. Hark 

- - s : — 

0. - I <"> 41,450 00 

10,000 00 10.581 

- 

00 00 50 00 

3,000 00 •'.. 780 00 

15,000 00 15,000 00 

KB: — 

" 00 5,450 

md *,600 00 

5,000 no K) 00 

I I 00 

Metropolitan 

Ea 1,500 



5,51 

Mt. . I mi bo 00 





254 



KEVEKE FIRE INSURANCE COMPANY. 

Par Value. Market Value. 



Miscellaneous : — 

South Boston Gas Light Co.,. 
E. & T. Fairbank & Co., 



10,00n 00 
10,000 00 



10.000 00 
11,000 00 



Total, $160,000 00 $171,882 50 1 171,862 60 



Loans on Collateral. 



Metropolitan Horse ft. ft. 

United States 1881, 

Broadway National Bank, 
Chica. Burl. & Q. ft. ft.,. 



Par Value. 
2,500 00 
1,000 00 
1,500 00 
1,000 00 



Market Value. 

8,050 00) 

1,100 00) 

1,200 CO 

1,010 00 



Total, $0,000 00 $6,360 00 

Cash in Company's principal office, 

Cash deposited in bank, , 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 

Net premiums in due course of collection, 



Amt. Loaned. 
2,600 000 

200 00 

250 00 

$3,C£0 00 



3,050 00 

1,628 11 

12,320 83 

750 00 

148 61 

13,560 91 



Assets of the Company at their actual value $271,850 40 



III. LIABILITIES. 

Losses adjusted and unpaid, 264 98 

Losses resisted, 1,500 00 



Net amount claims for losses, 

Unearned premiums on fire risks, one year or less, 
Unearned premiums on risks more than one year, . 



38,207 37 
21,304 69 



Amount of unearned premiums as computed above, 

Due and accrued for salaries, rent, &c 

All other demands against the Company, 



Total liabilities, except capital stock. 

Capital stock, 

Surplus beyond capital, 



Total liabilities, including capital and surplus, 



1,764 98 



59,512 06 

1,187 50 

2,393 10 

64,857 64 

200,000 GO 

6,992 76 

$271,850 40 



IV. INCOME DURING THE YEAft, 

Premiums received in cash, 101,894 /JO 

Deduct re-insurance, rebate, abatements and return 

premiums 11, 929 02 



A dual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 

Actual cash income,.. 



89,965 88 
4,575 10 

8,378 67 

$102,919 65 



\M RANCH COMPAN Y. 

EXPEND] DUREa DURING THB JTEAR. 

Amount paid for losses, (including $6,45 < 

ring in preYion I 

In t re-insuranoe *-'<> 84 



I amount •. 

Ossh dividends 

Commissions <n- brokerage 







Actual cash expenditure 



VI. MISCELLANEOUS. 

in force haTing not more thun one year to 
■ V to run from date of policy B f 687,78S 00 

ire than one and not more than three 
years to run from date of policy 1.039,286 00 

re than ti. to run from date of 
•. 1,807,871 00 



'.'.( 84,44 

riums reoeiyed since the organization of the Company 

1. - raized 

paid stockholder, 

at date 

Loaned to stockholders not officers, 

■fir -it in | - 

dams reoeiTed on risks 

1 1 







10,000 


00 


17,188 




1 1,024 


M 


1,166 


B0 


11,026 


B7 


>•.'.-.. i; ii 


79 


l'n ;ii i ti in 


« 


76,414 


71 


i:..oi;i 


52 


17.71 6 


50 


109,191 


76 


204,864 


80 


62,645 


."•7 


I0,< 00 


i n 




00 


2,600 


00 




50 




81 



253 KIDGEWOOD INSURANCE COMPANY. 



RIDGEWOOD INSURANCE COMPANY, 

Brooklyn, N. Y. 

Commenced Business. March 15, 1873. 

Wm K. Lothrop, President. Wm. A. Scott, Secretary. 

Attorney in Connecticut, C. W. Preston, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash. $200,00) 00 

II. ASSETS, 

Beal Estate owned by the Company unencumbered, '..... 9,234 74 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due. 99,000 CO 

Interest accrued ou bond and mortgage loans, 2,157 29 

Value of the land mortgaged, $75,000 00 

Buildings, (insured forg $99,000), 129,500 00 

$204,500 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States 10-40's. 5's, 100,000 00 106,500 00 

5's, 1881, registered 30,000 00 31,050 00 
Bank Stocks : — 

Long Island, 10,000 00 10,000 00 

American Exchange National, 10,000 00 10,000 00 

National Bank of Commerce, 5,00C 00 6,300 00 

Manhattan Co., 10,000 00 14,000 00 



Total, • $165,000 00 $179,050 00 179,050 00 

Cash in Company's principal office 1,286 84 

Cash deposited in banks, 5,233 84 

Gross premiums in due course of collection, 7,595 27 

All other property belonging to the Company, 108 33 

Assets of the Company at their Actual value, $ 303.060 31 



III. LIABILITIES. 

Losses adjusted and unpaid, 4,642 00 

Losses reported and unadjusted, 658 00 

Net amount of unpaid losses. 5.300 00 



K1DGKWOOD LNSUKANCK COMPANY 



267 



Unearnc 1 premiums 0:1 tire ri^k^. one year or less 29,886 96 

rned premium more than one 'year 4,961 96 

i navigation ri^ks B69 66 



mt of anearne 1 premiums as oompnted above, 

All oti. G tnipany, 



-lock. 







42,8! ir, 39 

800,000 oo 

60,770 i'L* 



Total Liabilities in. -hiding capital and surplus, $8< 12,666 81 



IV. INVOME DUKING THE YEAH. 



Premiums h. 

Deduct re-insuv tbate- 
uit-:. torn premiums 



Fire. 
7 4,:;.-, 1 11 

- ; :<> 



Inland, 
3,852 IT 



365 51 



Aetasl cssh premiums, 65,366 18 2,98 

From i. bonds and mori 

From interest on loins and divi lends on stocks and bonds, 

From rent s 



h income. 



68,852 7!) 
6,698 85 
9,825 00 

:•;<; 7-t 

$8.~>,138 38 



V. EXPENDITURES DURING THE YEAR. 
Fire. Inland. 

Amount paid for losses, .including Si,- 

1 occurring in |»r.-v: 28,145 17 •".." 6 67 

Dedu • re-insurance, \ 5 71 

• amount p 28,099 I «; 67 



Con. ir brokerage 







All oti. :its and expenses, 

lal cash expenditures,.. 



VI. IHSCELLANEOl 

in fovea hai »re than one y 

rur. 064,527 00 

■ 

yearn to run from | 

Having more than three years to run from date 
of policy, 81 



81,166 4.", 

Q no 

10,626 »<; 

.;! 82 

1,697 

10,282 4 7 



9,755,060 oo 



- 


IBM. 


:.:•.«,. 


8,1 • 








258 ROCHESTER GERMAN INSURANCE COMPANY. 

Premiums received since the organization of the Company, 4-77, 170 84 

Losses paid since the organization of the Company, 110,925 23 

Cash dividends paid stockholders, 02,000 00 

Stock owned by directors at date, 43,500 00 

Loaned to officers and directors, 10,000 00 

Business in Connecticut in 1877. 

Fire risks taken (no inland,) : 54,540 00 

Premiums received on same.. 635 68 

Losses paid, ,.. 490 82 



ROCHESTER GERMAN INSURANCE COMPANY, 

Rochester, N. Y. 
Commenced Business, February 23, 1872. 
Feederick Cook, President. Rudolph Vay, Secretary. 

Attorney in Connecticut, C. M. Webstee, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $'200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 1,961 14 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 142,920 00 

Interest due on bond and mortgage loans, 3,223 65 

Stocks and Bonds oioned by the Company. 

Par Value. Market Value. 
U, S. Stocks : — 

United States 10-40's, reg 75,000 00 79,687 50 

11 new 5's 25,000 00 26,375 00 

Municipal Bonds : — 

Rochester City, 20,000 00 21,000 00 



Total, $120,000 00 $127,062 50 127,062 50 



:\l vn IN >MPANY. 



'I is 

Inter. 2, I 

ciiiiiims in du< ' oolleotion it; 17 



.1 V.illle 



111. LlAHlLHIi 

Lomom 648 00 

i tnd unadjusted 2,250 00 



intofunp 18 00 

iror less,... $78,221 4:» 

I remiamfl on 1 i - ar 18,818 01 

Unearned premiums on inla I 50 



I premiams as computed above, 97,004 00 

d stock 99,902 00 

200,000 00 

69,201 05 



Total liabilities, u tal and surplus $369,103 05 



IV. INCOME DURING THE YEAR 

Fire. Inland. 

Premiums received in cash 204,257 69 'Jii'J 00 

Deduct re-insuranoe, 1 

and return premium < 33,144 83 70 00 



171,112 (10 171,071 86 

From interest on bonds and mortgages B,956 11 

From inter* rtocks and bonds, 10,8 

From all other aonrees 90 00 

$191,878 58 



v. DURING THi: IEAB. 

Arao 81.50 occur- 



Deduc- 



■ :<\ 7.'. 





lea and fees, 

4,« 

-Ail other j 11,7. 



cash exp- 



230 ROCHESTER GERMAN INSURANCE COMPANY. 

VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 15,117.623 00 156.422 98 

Having more than one, and not more than three 

years to run from date of policy,. 3,283,085 00 33,198 52 

Having more than three years to run from date of 

policy, 56,050 00 790 05 

$18,456,758 00 190,431 55 

Inland. Premiums. 
87,600 00 929 00 

Premiums received since the organization of the Company, 917,204 10 

Losses paid since the organization of the Company, 405,989 31 

Cash dividends paid stockholders, 67,000 00 

Stock owned by directors at date, 38,100 00 

Loaned to officers and directors, 22,200 00 

Stock dividends declared 25.000 00 

Loaned to stockholders not officers, 15,900 00 



Business in Connecticut in 1877. 

Fire risks taken, (no inland,) 0P.9,372 00 

Premiums rceived on same, 5,972 77 

Losses paid, 5,112 92 



ROGRK WILLIAMS INSUKANCK COMPANY. 



261 



ROGER WILLIAMS INSURANCE COMPANY, 

ii>! V r, II. I. 

Oommenoed Business, August. i s iv 
J. \v ii. Pbxdbicxs, Secretary. 

I : ru GzLLl ; r, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash. 00 00 

II. 
Loans on bond and morl t more than one 

• due 75,0 

Interest accrued on bond and mortgage loans 1,88 

Value of the lands mortgaged 110,000 00 

Buildiugs. (insured for 1 1 90,000 00 

o,ooo no 



8tocks and Bonds otonedby tht Company. 



B :-»CK8 : — 

••. 

i mri 

ii 

*' 
"■ 
rth 

■ 

■* 
All; 
\V. 

S 



Par \ 

10,000 00 
15.00 

(Ml 

<1 on 
10 00 

00 
5,01 

18.000 00 



■ Vnhifl. 

10,760 no 
16,425 

1 I.4O0 00 
1 1,251 
15,480 

no 

o oo 

o I... 



I rtsJ 



- 



262 ROGER WILLIAMS INSURANCE COMPANY. 

Loaned to City of Providence, 20,000 00 

Cash in Company's principal office, 4,291 16 

Cash deposited in bank, 22,301 00 

Interest due and accrued on stocks, 3,558 60 

Gross premiums in due course of collection .... 56,621 52 

Bills receivable, 10,022 57 



Assets of the Company at their actual value, $385,059 76 

III. LIABILITIES. 

Losses adjusted and unpaid 22,473 68 

Losses reported and unadjusted, 23,R6±|27 



Net amount of unpaid losses, " 46,437 95 

Unearned premiums on fire risks, onejear or less, 81,846 57 

Unearned premiums on risks more than one year, 19,414^09 

Unearned premiums on inland navigation risks. 394 62 

Unearned premiums on unexpired marine risks, 17,478 51 



Amount of unearned premiums as computed above, 119,133 79 

Cash dividends to stockholders remaining unpaid, 135 00 

Due and accrued for salaries, rent, &c, 850 00 

All other demands against the Company, .*. 5,914 80 



Total liabilities, except capital stock, , 172,471 54 

Capital stock. 200,000 00 

Surplus beyond capital, 1 2, 588 22 

Total liabilities, including capital and surplus, $385,059 76 



IV. INCOME DURING THE YEAR. 

Fire. M. & In. 

Premiums received in cash, 187,089 54 113,517 21 

Deduct re-insurance, rebate, abatements 

and return premiums, 14,545 51 9,065";76 



Actual cash premiums, 172,544 03 104,451 45 276,995 48 

Bills and notes rec'd for prems, remaining unpaid, 8,144 72 

From interest on bonds and mortgages, 5,589 29 

From interest on loans and dividends on stocks and bonds, 11,940 89 

From all other sources, , 12 84 

Actual cash income, $294,538 50 



V. EXPENDITURES DURING THE YEAR. 

Fire. M. & In. 

Amount paid forlosses,(includ.$38,- 

357.78 occurring in previous years) 147,398 47 94,134 01 

Deduct re-insurance and salvages 571 06 1,876 8~) 

Net amount paid for losses,... 146,827 41 92,257 16 239,084 57 



.'. H.I.IAMs INSUKANCK UOMI 1 I 





B ■ 



\ cpenditaree 

; S 

Premiums. 

lu^ks in force h.ivn 

run from date of policj 11,441.674 00 163,693 14 

1 1 iv m : more than one and d 

in to run from date of policy 1,211,142 00 16,519 21 

Saving more t hmi \\. lo ran from dateof 

of policy 1,569,165 "<» 22,962 <il 

1 1,221,981 00 203,174 96 

Marine & fnland. Pr< mlnme 

721,159 00 167 75 

Premiums ization of the Company .'!.:' 

mization <>f tin- Company 

dividends paid stockholders, 334, 0i 

Stock owned by dir< 89,5! 

I 



88,000 on 

I "77. 

Fire and marin< 687,799 no 

ivoil on ^ltne 

1. 



264 ST. NICHOLAS INSURANCE COMPANY. 



ST. NICHOLAS INSURANCE COMPANY, 

New Yoke City. 

Commenced Business, July 31, 1852. 

William Winslow, President. J. DuBois, Secretary. 

Attorney in Connecticut, Silas Chapman. Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 08,750 00 

Interest accrued on bond and mortgage loans, 1.776 00 

Value of the lands mortgaged, 79,000 00 

Buildings (insured for $46,000.00), 44,000 00 



123,600 00 



Stocks and Bonds owned by the Cvmpany. 

Par Value. Market Value. 
U. S. Stocks : — 

United States bonds 10-40's, 18,000 00 19.305 00 

" G's. 1881 160,000 00 171,200 00 

Municipal Bonds : — 

New York County, 8,700 00 9,222 00 



Total, $186,700 00 $199,727 00 199,727 00 

Cash in Company's principal office, 1,843 28 

Cash deposited in bank 5,265 84 

Interest due and accrued on stocks, .-. 37 00 

Gross premiums in due course of collection, 12,650 00 

All other property belonging to the Company, 4,824 27 

Assets of the Company at their actual valne, $289,373 39 

III. LIABILITIES. 

Net amount of unpaid losses, 13,554 62 

Unearned premiums on fire risks one year or less, 55,074 64 

Unearned premiums on risks more than one year, 3.691 37 

Amount of unearned premiums as computed above, 58,766 01 



>LAS l\ si K INCK COMPANY 



All otb impany, 



I 

ek 





• 

1,21 


74,118 

200,000 

16,254 


'.'7 
i.i) 
12 



tl liabilities, inolading oapital and surplus 

IV. INVOMi: DURING THE YEAR. 

i ifa 184,867 10 

iranoe, rel menta and return 

7,ni"i 7i 

-!i premiums 127,251 69 

From ads and m< j 8,762 60 

L dividends od 12,821 7<» 

rent 123 < <> 

t 1 18, : 

V. EXPENDITURES DURING THE TEAR. 
Amount pa i ring in pre- 





28,6 

■ r allowed I 17..'}7<i 00 

Paid! l.lil 15 

All other payments and e\ l#,52G 95 

Aetnaleaah expenditures, $178,611 26 



VI. MISCELL 



I'rfniiinns*. 



B in force having re than one year to 

tut. • 20,389,554 00 110,147 29 

than one anl not more ti 

'.:<•>• 41o.!i::; no 1,450 46 

us t(» rui: from d 

P«>; H5 f 500 on 1. 1 

116,027 <»•) 116,0 

'» 47 

1,8 11,1' 

23 



INIU 00 

i 

Losses paid 



266 ST. PAUL F. AND M. INSURANCE COMPANY. 



ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 

St. Paul, Minn. 

Commenced Businsss, May, 1865. 

O. H. Bigelow, President. C. A. Eaton, Secretary. 

Attorney in Connecticut, C. C. Kimball. Hartford. 



I. CAPITAL 

Capital actually paid up in cash, . $400,000 00 



II. ASSETS. 

Real estate owned by the Company unencumbered...... 110,814 45 

Loans on bond and mortgage, (first liens), not more than one 

year's interest' due, 117,981 33 

Interest due and accrued on bond and mortgage loans, 4,610 65 

Value of the land mortgaged, $142,800 00 

Buildings, (insured for $67,350), 98,500 00 

$241,300 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Municipal Bonds : — 

City of St. Paul, Treas. Cer., . 90 34 90 34 

' Minneapolis, 1.500 00 1,500 00 

" Stillwater, 10,000 00 10,000 00 

" Mankato, 8,500 00 8,500 00 

Town of Detroit, 4,000 00 4,000 no 

County of Rock, 24,000 00 21.000 00 

'• Cass, 7.400 00 7,400 00 

Aitken 3,200 00 3,200 00 

« Becker, 1,860 00 1,860 00 

Pine, 7,757 00 7,757 00 

" Ramsey, 1,000 00 1,000 00 

School District, Otter Tail County, 1,000 00 1,000 00 

St. Cloud, 100 00 100 00 

Bank Stocks : — 

First National, St. Paul 20,000 00 2«,000 00 

Merchants " 12.000 00 13,540 00 

First " St. ?eter, 3,600 0q 4,140 00 



ST. PAUL K. AND M. INSURANCE COMPANY, 

)\ir Value T Value. 
i 

116,654 94 14 04 

. 1st lien 1,78*3 l,78S 

• : — 

St. ; <"» -.-■ 00 

bda., 00 00 



$161,151 08 $171,281 08 






71,281 08 



Loam on 

Pai Value. 
64,500 00 
10,000 <><> 

~(i on 
4,500 00 
- 
5.000 00 



P*nl 

g | 

March. 
Sayings Bank, 

I .nk. Bad wing,.. 
Stillwater,.. 
Lnmberm'i 

Kink. Minneapolis 1,500 00 

(. t 
l"s pref., *,000 00 
St.P..s. ft X P.R.B land bda 9,400 00 
St. Paul r 

Plow Woiks, 8,000 00 

llfg. C i 

Watehae A EL b la 
Pi >• Bar Pn n I "... 50,000 00 
Seymour. Babin «fc Co. nifg., 6,800 00 
si Co...... 5,000 00 

Light Co 5,000 00 

Aitkan ( I 

American Expre>s Co 



('<,! hit, 
Market Value. 
90,800 00 

10.080 00 
8,750 00 
6,625 00 
9,600 00 

i mi 
1,50 

$20 00 
4,01 

i no 

, .-, 00 

2,250 < 
676 00 

64 ) 

500 00 

o 00 

50 00 

2,500 00 

r.oo oo 

240 00 



An.!. Loaned. 

- i 00 

11,920 00 

3 00 

2,288 71 

8,635 00 

8,000 <>" 

5,000 00 

1. :*'.".) 00 

99,652 08 

8,000 no 

00 

60,906 00 

1,500 00 

coo 00 

414 (JO 

12,621 92 

4,700 00 

1,800 62 

1,600 00 

400 00 

2(»o « 






) $435,736 00 > M 293,608 88 



Cash in Company's principal office, 

Cub I B nk 

Inter 

ie and accrued on collateral loans,.. 

ami indue course of collection 

Bills reoei 

All other property belonging to the Company, 



51,844 15 
6,12 

11,889 64 

-'1 07 

7,429 16 

11.412 ".4 



Assets of the Company at th-ir a tnal value, 



III. LlAHII.nil 

dd, 

9,164 24 

Los- 









268 ST. PAUL F, AND M. INSURANCE COMPANY. 

Unearned premiums on fire risks, one year or less 181,392 05 

Unearned premiums on risks more than one year, .... 95,530 61 
Unearned premiums on inland navigation risks, 3,983 00 

Amount of unearned premiums as computed above, 280,905 66 

Total liabilities except capital stock, 297,886 16 

Capital stock, 400,000 00 

Surplus beyond capital, 152,176 08 



Total liabilities including capital and surplus, $850,062 24 

IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash, 492,467 09 148,73126 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 56,370 50 10,624 63 



Actual cash premiums, 436,096.59 138,106 63 574,203 22 

Bills and notes received for unpaid premiums $7,429 15 

From interest on bonds and mortgages, 10,495 02 

From interest on loans and dividends on stocks and bonds, 53,693 37 

From all other sources, 5,778 45 

Actual cash income, $644,170 06 

Unearned premiums represented by installment notes, $104,000 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (including $41,- 

355.02 occurring in previous years,... 334,911 58 168,119 83 
Deduct salvage and re-insurance, 3,170 80 10,804 26 

Net amount of unpaid losses, 331,740 78 157,315 57 489,056 35 

Cash dividends, 66,696 47 

Commissions or brokerage. 83,9G2 50 

Salaries and fees, 32,320 91 

Taxes, 15,901 14 

All other payments and expenses, 34,986 42 



Actual cash expenditures, $722,923 79 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 23,486,494 00 362,784 11 

Having more than one and not more than three 

years to run from date of policy, 7,129,179 00 95,249 82 

Having more than three years to run from date of 

policy, 4,630,173 00 85',270 14 

35,245,846 00 543,304 07 

Inland. Premiums. 

198,540 00 7,96 



::•: IN5UKAN0K CONPA1 

■ 

ioD <>;' ;'. . 2, 1 



11'"'.: 

,....- 171,110 71 



229, . 

me 





SAFEGUARD FIRE INSURANCE COMPANY, 

k City. 
Commenced Business. January, i 

nt. . I ames Yereance. Seer 

iven. 



I. CAPITAL. 

<'apital ar*tnally paid up in ca*b #200,000 00 

II. ASSETS. 

• doe 

Value "f ' > 00 

Boil i 

nit 

'■ 

: — 
- 



270 



SAFKGUARD F1RK 1NSUKANCK COMPANY. 



Municipal Bonds : — 

City of New York 7's, asse'mt '78, 

" 7's, S. Sinking Fund, 

7's, Improvement '92, 

'' 7's. Consolidated '94, 

New Brunswick, N. J. 7's, 1878,.. 

" " 7's, 1890,. 



Par Value. 

20,000 00 
10,000 00 

5,000 00 

10.000 00 

2,000 00 

5.500 00 



Market Value. 

20,200 00 

11,000 00 

5,650 00 

11,400 00 

2,000 00 

5,720 00 



Total, 



.$'277,200 00 $308,515 00 308,515 00 



Nat. Bank, Jersey City, 

St. Nicholas Nat. Bank, NT. 
Chatham Nat. Bank. N. Y.,. 

Nat. State Bank, Newark, 

N. Y. Cen. R. ft. debt. cert. 
United States bonds, 1881,.. 

Sacremento, Cal., bonds, 

Hanover Fire Ins. Co 

Commercial Fire Ins. Co., . . 

Great Western Ins. Co., 

Westchester Gas L. Co ,... 
Brooklyn " " 



Loans on 

Par Value. 

5,000 00 

4,000 00 

751) 00 

900 00 

4,000 00 

1,100 00 

2,000 00 

1,500 00 

750 00 

800 00 

1,100 00 

1,000 00 



Collateral. 

Market Value. 

6,250 00 

3,400 00 

915 00 

1,035 00 

4,200 00 

1,177 00 

1,500 00 

1,875 00 

1,125 00 

700 00 

935 ()0 

1,700 00 



Amt. Loaned. 
5,000 00 
3,000 00 
000 00 
900 00 
3,25(1 00 
1,100 00 
1.000 00 
1,200 00 

ooo oo 

000 00 
850 00 
500 00 



Total, 122,900 00 

Cash in Company's principal office, 

Cash deposited in Bank, , 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans,.. 
Gross premiums in due course of collection,... 
All other property belonging to the Company 



24,872 00 $18,000 00 



18,000 00 

9,515 97 

9,G5l 12 

800 00 

223 80 

12,777 33 

2.100 00 



Assets of the Company at their actual value, $393,189 22 



III. LIABILITIES. 

Losses adjusted and unpaid, (not due.) 444 00 

Losses reported and unadjusted, 7,921 00 

Losses resisted, 5,769 00 



Net amount of unpaid losses, ... 

Unearned premiums on fire risks, one year or less, 

Unearned premiums on risks more than one year 

Unearned prems. on unexpired inland navigation risks, 



50,204 75 

8,235 01 

750 25 



Amount of unearned premiums as computed above. 

Due and accrued for salaries, rent, &c, 

All other demands against the Company, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital 



14,134 00 



59,190 01 
1,000 00 
1,910 00 



70,240 01 
200,000 00 
116,942 01 



Total liabilities, including capital and surplus, $393,189 22 



i rUAKD I I' : INSl KANCK CON 



271 



lv. INCOME DURING THE YEAR. 

i ind. 

Premiums reoeiyed in cash I 1,80-1 i."» 

ib tuenta 

9,79 I 7 1 150 00 



.1 oash premiums 133,364 58 1,654 i. 



i : loans and divi lead tooks and bonds 

Prom alio! . 





019 


03 


•> 


17<> 


00 


18 




12 


l 


99.1 





. income 



EXPENDITURES DURING THE VKAK. 

Inland. 



Am Mint paid for losses, (including - 

78,411 82 

79 ;»i 

mount paid fori > 



as <>r brokerage 

. 



All o\. 



0,035 19 

1- 27 



,<)17 22 



ih expenditures, 



80,849 60 

00 00 
22, iS 

17,550 oo 
2,5.' 

15,177 71 

1170,211 15 



VI. MISCELLANEOUS. 

- in force haying not more than one year to 

ran from date of policy 16,845,420 00 

I more tL t more khan three 

years to run from date of policy 1,236,! 

• • run from dal ) of 
policy . . 272, 

18,358,917 00 

Inland. 

49,500 00 
i of tli<- ( lornp my... 







I. 



100,41 
9,6! i 



113, I 
1,51 

:;j7." , 
118.1 

1 1,1 I 



i i - 7 ; 

Premi . 






272 BHAWMUT INSURANCE COMPANY. 



SHAWMUT INSURANCE COMPANY, 

Boston, Mass. 

Commenced Business, September 23, 187.5. 

Wm, S. Denny, President. TJ. C. Crosby. Secretary. 

Attorney in Connecticut, J. D. Browne. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 50,500 00 

Interest accrued on bond and mortgage loans, 1,202 75 

Value of the land mortgaged, $55,700 

Buildings (insured for $30,500), 52,800 

$108,."00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 
U. ; S. and State Stocks : — 

U. S. bonds reg. G's, 1881, gold,.. 100,000 00 10(5,375 00 

" " new 4^'s, gold,.. 10,000 00 10,350 00 

" 5-2 0's coupon bonds 6's, 100 00 108 50 

Massachusetts 5 per cent., 100,000 00 110,000 00 

Municipal Bonds : — 

City of Boston, Mass. water, 5's, 100,000 00 109,500 00 

< ; Newton " G*s, 50,000 00 50,250 00 

i; Fall River " 5's, 40,000 00 41.700 00 

* ; Danvers '' 5's. 50.000 00 51,000 00 . 
Rank Stocks : — 

First Nat. Chelsea, Miss 1,200 00 1,320 00 

Merchandise Nat. Boston. Mass.,. 10,000 00 10.000 00 

Manufacturers " " . ... 10,0)0 00 0,0,12 50 

Continental " " ... 5,000 00 5.000 00 

Total, $470,300 0) $511,506 00 511,500 00 

Cash in Company's principal office, 1,978 51 

Cash deposited in Hank, 0,695 37 



SHAWM UT LNSl KANCK COMPANY 





dums m (1 ; i 

I . i 13 •_';; ; 

earitv for double thi 









A- p inj ;it their netnal vain . 

III. LIABILITIES 

imp J 1 ■ 22 

1 4,219 > 

nnpai 1 losses l _? . ~> : " < > 22 

iams on B 2 48 

dums on risks more ti 21,702 16 



I premium above, 

Dae ei 





liabilities 



Surpl tl 



120,564 63 

4.:. 

122 78 
500,001 

2,041 7<; 



Total liabilities including capital and surplus $039,064 4'.» 



0ME DURING THE YEAR. 

289,070 12 



iama receive 1 in oash 

Dents and return 




;•; 18 



Actual eaah premiums,, 

From interest on bonds and mortgages 

From interest on loans and divi I bonds. 



h income. 



93 64 

1,759 50 

- 



V. EXPENDITURES DURING THE YEAR 

Amount paid for - .'-'l occurring in preTJ 



Comni is 

Salaries and : B, 



All oth-ir payments and exj 



717 19 
240 41) 

19,1 

11,45 

15,526 16 



vi. m: 

to run from date of poU 



201,27 






274 SHOE AND LEATHER INSURANCE COMPANY. 

Having more than' one and not more than three 

years to run from date of policy, 3,437,866 00 22,016 80 

Having more than three years to run from date of 

policy, 566,494 00 6,650 15 



17,405,770 00 220.040 86 

Premiums received since the organization of the Company, 545,278 95 

Losses paid since the organization of the Company, 208,845 01 

Stock owned by directors at date, 136,500 00 



Business in Connecticut in 1877. 

Fire risks taken (no inland), 269,888 00 

Premiums received, 3,012 00 

Losses paid, 4,832 13 



SHOE AND LEATHER INSURANCE COMPANY, 

Boston, Mass. 
Commenced Business, Jan. 1st, 1873. 
John C. Ajbbott, President. ' Henry B. White, Secretary. 

Attorney in Connecticut, J. W. Smith, Waterbury. 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS. 

Loans on bond' r "and mortgage, (first liens), not more than one 

year's interest due, 45.000 00 

Interest accrued on bond and mortgage loans, , 978 34 

Value of the land mortgaged, $40,000 00 

Value of buildings (ins. for $43,000.00) 50,000 00 

$00,000 00 



BHO* wi> LKATHKH IN8 COM PA 1 

■ Jne. Muiix-t Vain* 

I 00 51,81 



.1 in* 

85,0 10 00 26,625 00 
10,000 00 10,80 > 00 
: 0,000 00 

a -J so 

m of Woburn, I 

Bi • •'.:.:■ • . 1878 ■•> 00 

.s: — 

85,80 I <"> 

10.0 mi ". i 

20,000 00 10 00 

1 1.025 00 

8.10 l.l-:: 00 

: :. 16 75 

L6,700 00 17,48 » 62 



-.1-1 00 

;-, (.(i 

of B •■\.'- ... 5, Ml I 7,083 50 

- : - 

25,0 '» 00 

21.000 00 11,180 00 







86,845 91 



,nh in rlu d 19, ' 





§678,751 12 



III. LlAl;ILITii 

i 

8,10 



»74 08 

Unea: I 08 

I Ml 

8 '.»l 

in.; 



276 SHOE AND LEATHBK INSURANCE COMPANY". 

Capital stock, ; 300,000 00 

Surplus beyond capital, 102,309 25 



Total liabilities, including capital and surplus, $673,751 12 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, 135,81-1 27 118,211 21 

Deduct re-insurance, rebate, abatements 

and return premiums, 3,047 89 6.740 87 



Actual cash premiums, 132,766 38 111,470 34 244,236 72 

Bills and notes for premiums remaining unpaid, $73,906 26 

From interest on bonds and mortgages, 2,100 00 

From interest on loans and dividends on stocks and bonds 27.552 57 



Actual cash income, $273,889 29 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount paid for losses (including 18,- 

454. 74 occurring in previous years, 65,087 43 52,175 68 

Deduct re-insurance, 4,780 01 

Net amount paid for losses, 65,087 43 47,395 67 112,483 10 

Cash dividends, , 30,000 00 

Commissions or brokerage, 27,326 74 

Salaries and fees, 14,180 00 

Taxes, 3,901 33 

All other payments and expenses, 12,745 12 

Actual cash expenditures $ 200,636 29 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 9,404,515 00 110,960 07 

Having more than one and not more than three 

years to run from date of policy 2,153,889 00 54,694 44 

Having more than three years to run from date of 

policy, 3,677,220 00 56,636 05 



15,235,624 00 202,290 ^6 

Marine. Premiums. 

1,629,463 00 76,063 91 

Premiums received since the organization of the Company 1,134,575 64 

Losses paid since the Company organized, 421,238 01 

Cash dividends paid stockholders, 120,000 00 

Stock owned by directors at date, 52,800 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 365,005 00 

Premiums received on same, t 3,908 70 

Losses paid, 2,432 70 



SPRINGFIELD FIRE AND MARINE [NSURANCK 
COMPANY, 

Commenced Basin* 
I > w i . - rvobs J. Ham.. Qterttary. 

'tieutj w. E. Bakxb, Hertford 



I. CAPITAL. 
Capital actually paid up in cash, $790,000 00 

II. ASSETS. 

•owned by the Company unencumbered 134,900 <»<> 

. tnd mortgage, (first liens,) not more than one 

,599 o."> 

Inter- L accrue! on bond and mortgage loans, 12,546 3tf 

Value of the land mortgaged I 00 

Buildings, insured for | 522,500 00 

|787,0 " 00 

•'.-.« and B \ny. 

. oe. Market Value. 

a - 

eg. ... 100,000 <i<» 1 19,000 00 

■. i-t M.. 1,700 1,700 00 

t -< 00 

a, 1st moil I 00 1 1,600 00 

Boston a 50, 

Boston an! Providence 

00 

w.-r water and 

N . i . V I i A- 1 1 • 



278 



SPRINGFIELD F. AND M. INSURANCE COMPANY. 



Par Value. Market Value. 
Bank Stocks : — • 

John Hancock Nat. Springfield... 5,000 00 6,500 00 

Agawarn " " .... 10,000 00 12. SCO 00 

Chicopee " " .... 10,400 00 16,(540 00 

Pynchon " '■ .... 8,000 00 12,960 00 

Second 4i " .... 2,400 00 4,320 00 

Third " " .... 20,000 00 32,000 00 

Ware " Ware, 10.000 00 12,500 00 

First " Northampton 3,400 00 4,250 00 

Monson " Monson, 1,000 00. 1 100 00 

Merchants " Boston, 10,000 00 13,200 00 

Atlas National, Boston, 10,000 00 11.300 00 

Howard " 10,000 00 11,200 00 

Webster " a 10,000 00 10,200 00 

Boyalston " 15,000 00 18,000 00 

Eliot '• 10,000 00 11,000 00 

Nat. Bank of Commerce, Boston, 10,000 00 10.000 00 

National Bank of Commerce, N.Y. 5.000 00 6,250 00 

Total, $674,400 00 $851,900 00 



851,900 00 



Loans on Collateral. 



Par Value. 

N. Y., N. H. & Hart, K. R., 1,000 00 

Agawarn Nat. Bk. Spring'fild 2,000 00 

U. S. bonds 6's, coupons,.... 2,000 00 

Second Nat. Bk. Springfield 2,000 00 

Chicopee " " 800 00 

Third " " 1.000 00 

Springfield Gas Light Co 2,400 00 

Glasgow Co., S. H. Falls,.... 900 00 

Agawarn Nat. Bank, 300 00 

West-field Gas Light Co., 3,500 00 

Massasoit Paper Mfg. Co 7,500 00 

Agawarn National Bank, 1,000 00 



Market Value. Amt. Loaned. 
1,500 00 1,000 00 



2,500 00 
2,100 00 
3,600 00 
1,280 00 
1,600 00 
3,600 00^1 
900 00 ' 
■ 375 00 
3,500 00 j 
9,000 00" 
1,250 00 



2,275 00 
2,000 00 
1,500 00 
1,140 00 
900 00 



Y 6.355 71 



,000 00 
,000 00 



Total, $24,400 00 $531,205 00 $23,170 71 



Cash in Company's principal office 

Cash deposited injbanks, 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans, 
Gross premiums in due course of collection,.. 
Rents due and accrued, 



Assets of the Company at their Actual value, 



23,170 71 
9,439 89 

95,952 88 

16,302 00 
810 04 

95,095 74 
1,312 52 

1,636,029 71 



III. LIABILITIES. 

Losses adjusted and unpaid, 22,215 45 

Losses reported and unadjusted, 39,73!) 88 



iNl) A. INSURANCE COMPANY 



70,039 81 

1.7' ii i ii 



ims on ii i 14 

. 

Amonnj of m 
All othei | 

I •' 59G ! 

750,000 00 

289,1 

tal liabilities inoluding aapital and snrplns 29 71 

IV. DURING THE *EAB. 

' R 25, 854 

nrn 
89,035 94 

18 12 

I .'l 80 

d dividends on I bond* ,990 18 

all othei 8,2* 



AotuaJ |8J ,554 98 



V. EXPENDITUEE8 DURING TflE Vi'.AH. 

Amount | - :* i • 1 tat • ur- 

ring in i ;!<;<>. '.»|(> 19 

Dedu • 9,501 20 

851 . ! I 

75,1 

2 19 ;:<> 

286 17 





Act 



VI. MISCELLANE 






:• to 

n.: 

policy, 






280 STANI>AKN FIRE INSURANCE COMPANY, N. Y. 

Premiums received since the organization of the Company, 9,611,618 81 

Losses paid since the organization of the Company. 6,030,35!) 54 

Cash dividends paid stockholders, 1,167,042 00 

Stock owned by directors at date, 186,100 00 

Loaned to officers and directors, ' 104,456 67 

Stock dividends declared, 250.000 00 

Loaned to stockholders not officers 99, 143 05 



Business in Connecticut in 1877. 

Fire risks taken, (no inland), 2,1)90,368 68 

Premiums received on same, 34,847 72 

Losses paid, 22.496 44 



STANDARD FIRE INSURANCE COMPANY, 

New Yokk City. 
Commenced Business, March 29, 1859. 

William Cp.ipps, President. William M. St. John, Secretary. 

Attorney in Connecticut, W. E. Baker, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, .'.. 45,500 00 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, (of which $5,000.00 is in process of foreclosure), 5,000 00 

Interest due and accrued on bond and mortgage loans, 819 56 

Value of the land mortgaged, $.51, 000 00 

Buildings, (insured for $50.500) 50.500 00 

$101,500 00 



STANDARD KIKK INBUKAJ PANY, S. V. 231 

S 

Murk.-t Value. 

q. a 6 

Q. £ 100,000 00 102,501 

•• ] . •• : 10 00 

Diet of v 1924 165,000 00 126,800 00 

- 



ral. 

Pat Vain,-. Ma Amt. Loaned. 

00 8,0 2,000 <>(» 



in bank 

ion collateral loam 

minma in d 

:' the Gompanj at their actual value $ I 

III. LIABILITY 
\'jr, :.\j 

..urns on fl 

L premioms on ric fear,.... 1<),4U6 7'J 



2,000 00 


4<»:5 


;: 


14,169 


1! 


11 


66 


5,644 


88 



Ainoniit of unearned premiums as computed above 46,870 82 

Due and accrued for rent. advertising, &c 

All other demands against the Company. 1,048 46 



Total liabilities, except capital stock, 48,208 96 

«k 200,000 "'I 

Surplus bejond capital. 160,1 4 1 58 



■ J liabilities, including capital and surplus, ?4 <•>.'_'•• 

IV. INCOME DUBING THE YEAIt. 

Premiums received in ca-h 97.721 44 

: rebate, abatements ami return 
premiums. 11,216 11 

tal cash premium- 

-/es, 

a loans and dividend 



fjl< 

V. ETPENDJTUBES DURING IB, 

ir- 
nng in t 01 

Deduct salvage. 



282 STANDARD FIRE INSURANCE COMPANY, N. Y. 

Cash dividends,, 24,710 00 

Commissions or brokerage, 10 97(> 47 

Paid or allowed for salaries and fees, 21,779 43 

Paid for taxes, 2,135 84 

All other payments and expenses, 10,538 35 

Actual cash expenditures, $121,269 73 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 10,806,168 28 71,927 07 

Having more than one and not more than three 

years to run from date of policy, 1,456,792 04 12,354 05 

Having more than three years to run from date of 

policy, 519,740 00 6.501 12 



12,782,700 32 90,782 24 

Premiums received since the organization of the Company, 2,055,715 79 

Losses paid since the organization of the Company, 1,211,490 78 

Cash dividends paid stockholders, 401,260 00 

Stock owned by directors at date, 59,600 00 

Loaned to directors, 9,000 00 

Loaned to stockholders, not officers, 13,000 00 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 288,531 25 

Premiums received on same, 2,901 72 

Losses paid, 3,258 19 



STANDARD FIRE INSURANCE OOHPANY, N. J. 285 



STANDARD FIRE INSURANCE COMPANY, 
i rov. N. J. 

Commenced Business, Feb. 82, 1 
Wm. Doltox, P Jos. B. Wright, Secretary. 

riuy in ('>>>< ntcticut. 0. W, Preston, Hartford. 



I. CAPITAL. 

Capital actually paid up iu cash, $200,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, 200 00 

Loans on bond and mortgage, ( rirst liens, ) not more than one 

• due 171,104 00 

Interest due on bond and mortgage loans, 5,871 11 

Value of the land mortgaged, 168,160 00 

BuiliLngs, (insured for $116,560.00) 199,400 00 



867,550 00 



Stocks and Bonds owned by the Company. 

Tar Value Market Value. 
Stocks : — 

United States currency, 6*8 6,000 00 7,140 00 

6-20*8, 1 ><;*.», coup., 600 00 - 76 

1868, coup., L'.:.oo 00 8,6ft 
Railroad Bonds : — 

Albany A Susquehanna, 1,000 00 1,080 no 

N. V. a Brie UA marl 6,000 00 6,680 00 

• ral Pacific, gold, 6,000 00 7 50 

•ad Stocks : — 

United X. J. EL It. ,t Canal Co... 16,000 00 18,800 00 

>TOCK8 : — 

First National. Trenton 00 4,810 "to 

M. ohaniot, 6,000 00 6,600 00 ' 

Trenton Banking Co., Trenton,... 7,200 00 7,200 00 



• d, $61,900 00 $60,180 00 60,190 00 

Pa: :«L 

agton Mar 1,040 00 1/04 

'h Ward Land stock,... 2,260 00 8,1 



284 

Par. Value. Market Value. Amt Loaned. 

First Nat. Bk., Trenton, stck. 9,600 00 11,4(30 00 4,840 71 

Rutherford Land Asso. stck. 7,200 00 7,200 00 4,000 00 

Farm. Nat. Bk., Bristol, Pa.,. 5,000 00 6.000 00 1,500 00 

Mech. " Trenton, 3,000 00 3,900 00 1,000 00 



Total, $28,090 00 $31,600 00 $13,840 71 13,840 71 

Cash in Company's principal office, 13,036 58 

Cash deposited in bank, 7,426 22 

Interest due and accrued on stocks, 1,162 30 

Interest due and accrued on collateral loans, 931 32 

Net premiums in due course of collection, 25,481 98 

Bills receivable 130 00 

Salvage property and claims on losses already paid, 2,000 00 

Assets of the Company'at their actual value, $301,304 22 



III. LIABILITIES. 

Net amount of unpaid ] losses, 14,513 19 

Unearned premiums on fire risks, one year or less,... 61,451 85 
Unearned premiums on risks more than one year, ... . 16,947 04 



Unearned premiums as computed above, 78,398 89 



Total liabilities except capital stock, 92,912 08 

Capital stock, 200,000 00 

Surplus beyond capital 8,392 14 



Total liabilities, including capital and surplus, $301,304 22 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 172,846 49 

Deduct re-insurance, rebate, abatements and return 

premiums, 18,920 23 



Actual cash premiums, 153,926 26 

From interest on bonds and mortgages, 12,129 10 

From interest on loans and dividends on stocks and bonds, 3,801 58 

Actual cash income, $169,856 94 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $21,268.46 occur- 
ring in previous years), 116,368 29 

Deduct salvage and re-insurance, - 2,188 16 

Net amount paid for losses,. .* 114,180 13 

Commissions or brokerage. , .., 36,820 98 






STANDARD K1KK INSURANCE COMPANY, N. J, 



285 





Taxes 

All other payments ind expenses, 



I 00 

10,681 l.". 



Actual sash expenditures, (170,5811 IS 



VI. MISCKLLANEOl'S. 

Risks iti fbros having Dot mors than one year 

ko run from dele of polio? 7,818,900 00 

Having mors than one and not more than three 

3 to run from dete of policy 873,s:;; 00 

Having more than thrss ySSTB to run from date 

of policy 1,101,864 00 

9,789,187 00 

Prsminms rsosived Bines ths organization of the Company, 

ss paid sines ths organisation of the ComLsny 

paid stockholders 

Stork owned by directors si date 

offioers and din 

Loaned to stockholders not officers 



Premiums. 

129,097 91 

12,182 04 

20.:;,:: 77 

162,088 72 

:.77.ilO 07 

827,869 12 

37,000 00 

116,85 1 

47,760 oo 
4,800 00 



' in 1 B77. 

Fire, risks taken, (no inland) 

. 1ms received on same 

1 



234,148 67 



286 



STAR FIRE INSURANCE COMPANY. 



STAR FIRE INSURANCE COMPANY, 

New Yoek City. 

Commenced Business, December 2, 1864. 

Nicholas C. Miller,' President James M. Hodges, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Ileal estate owned by the Company unencumbered, 16,000 00 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 121,100 00 

Interest due on bond and mortgage loans, 1,988 00 

Value of the lands mortgaged, 163,000 00 

Buildings, 155,500 00 



318,500 00 



Stocks and Bonds owned by the Company. 

Par Value- Market Value. 
U. S. Stocks : — 

U. S. bonds 4£'s coupons, 1891,.. 165,000 00 170,981 25 

" 6'3, coup. 5-20'snew'65 10,000 00 10,275 00 



Total, $175,000 00 $181,256 25 181,256 25 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Park Fire Ins. Co., 500 00 600 00) 

Citizens Bank 1,875 00 2,025 00 r 3,295 50 

Bergen County Bank, 1,000 00 1,000 00* 

Dry Goods Bank, 1,000 00 100 00 

Security Bank, 1,000 00 250 00 

North River Bank, 2,500 00 1,750 00 1 

Park Fire Ins. Co. 600 00 720 00 > 

N. Y. Nat. Exchange Bank,. 6,000 00 6,000 00 4,000 00 

Shoe & Leather Bank, 1,200 00 1,440 00 1,200 00 



480 00 
2,000 00 



: FIRE INSURANCE COMPANY 










value. 






:ik 


| (X) 


71 









I 00 

(II) 






• • 






i no 
| no 





















I 00 


\.: ■ 









2,000 00 


2,000 oo J 






- ■ Bail 


oo 


00 00 


00 




North B k 




4,6€ 


L,54 




Import. 


■o 00 


2,760 0OJ 






6,000 <»o 




1,00 1 




Richmond 1 


500 00 


600 oo 


-on 00 









2,000 00 


L,» 






Gebhard Ins. '> 




- 


I HI) 




1,200 00 




Grocers Bunk. 


:j I 




8,000 00 




Colun.i 


1,60" 


900 00 






Chicago A North W. K. R... 




6,440 00 


4,600 00 




German Ameii an Bank 




' B0-) 




Union Bank, Bahway 




2,000 00 






Central K. R. X. I 






;• i6,7i 




X. J. R. R. 




,() oo 




N. Y. • 


1,400 00 


oo 






Central R. EL N. J. oonaoL.. 




1,800 




Fire Ins. Co., 


» 00 
1,000 00 

L5 no 


25 00 
1,060 00 


, no 
00 




r loan, 




: ( 




-.'.-, 60 


;i Company's principal 
Cash deposited in ban 


office 






15,307 oo 








6,789 :.l 


Interest due and 


collateral lo 
of collectio 


ins 




1 B42 '-'7 


Net premiums in due course 


n 




1 1 . •_' 1 6 1 « » 


All other property belonging 


ipanj 




400 00 


irity bunk 


so no 





Assets of the Company at their actual value 






III. LIA15ILITI. 
Loss. I and unpaid 10,419 

7.7 ; 

; 



f nnp. iid loaaoi, 

-ks, one ye 
pn adorn 



' 17 



irned premium I 

Dae ar. 

All oth 



. 



G 17 






288 STAR FIRE INSURANCE COMPANY. 

Capital stock, 200,000 00 

Surplus beyond capital, 129,281 83 



Total liabilities, including capital and surplus, $418,423 53 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 136,162 48 

Deduct re-insurance, rebate, abatements and return 
premiums, 14,224 70 



Actual cash premiums, 121,937 78 

From interest on bonds and mortgages, 8,864 15 

From interest on loans and dividends on stocks and bonds, 15,030 25 

From rents, 934 95 

Actual cash income, $146,767 13 



V. EXPENDITURES DURING THE YEAR, 
Amount paid for losses, (including $4,126.76 occur- 
ring in previous years,) 69,322 79 

Deduct salvage and re-insurance, 34 81 



Net amount paid for losses, 69,287 98 

Cash dividends, 35,000 00 

Commissions or brokerage, 5,129 71 

Salaries and fees, 20,298 83 

Taxes, 5,147 22 

All other payments and expenses, 27,586 00 



Actual cash expenditures, $162,449 74 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 14,817,604 00 111,404 33 

Having more than one, and not more than three 

years to run from date of policy, 1,489,428 00 13,821 96 

Having more than three years to run from date of 

policy, 368,082 00 5,240 14 



16,675,114 00 130,466 43 

Premiums received since the organization of the Company, 1,951,933 44 

Losses paid since the organization of the Company, 1,047,459 87 

Cash dividends paid stockholders, 244,791 77 

Stock owned by directors at date, 101,400 00 

Loaned to directors, 41,695 00 

Loaned to stockholders not officers, 12,750 00 

Business in Connecticut in 1877. 

Fire risks iakeu, (no inland,) 167,751 00 

Premiums rceived on same, 2,154- 62 

Losses paid, 1,120 50 



IKM'K'IS' INS! KANCK COMPANY'. 



TRADERS 1 [NSURANCE COMPANY, 

OBXaAOO, III. 
Commenced Business, February. I - 
i'h^ nt. ElOBXBT J. Smith, BtOTti 

LI ■. . ( '■■"I'tirnt, Hu.ra (in.i.r.TT, Hartford. 



I. CAPITAL. 

Capital actually paid ap in cash $600,000 00 

II. ASSETS. 

Heal estate owned bj the Company unencumbered, 11,482 24 

i owned by the Company. 

Par Value. Market Value. 
U. S. Stocks: — 

United States registered KMos... 660,000 <><) 688,600 00 
MvNuii'AL Bonne :— 

Cook County, 62,500 <»0 60,487 "><» 

. Water Loan 20,000 00 20,000 00 

Chicago City 18,000 00 18,976 00 



Total $086,600 00 $678,912 .*.(> 678.912 60 

Leant on Collateral. 

Par Value. Market Value. Amt. Loaned. 

N.H.Warren A Co.. trust deed, 5,600 00 6,600 00 8,828 66 8,823 66 

Cash in Com puny 's principal office, 3, 4(>7 7<> 

Cash deposited in bank, 026 4L> 

Inter. kfl 012 50 

Interest accrued on collateral loans 201 14 

Gross premi iins in due course of collection 86,4 

All other j longing to the Company, 14,812 .".7 



Assets of the Company at their actual value, $809,821 43 



III. LIABILI1IJ 

1 and unp. 1,4 

reported and unadj 

sea, ... 17 1 T. 

1 



290 traders' insurance company. 

Unearned premiums on fire risks, one year or less, 138,621) 66 

Unearned premiums on risks more than one year, 18,525 83 



Amount of unearned premiums as computed above, 157,155 49 

All other demands against the Company, 7.206 74 



Total liabilities, except capital stock, 174, 079 38 

Capital stock 500,000 00 

Surplus beyond capital, 135,242 05 



Total liabilities, including capital and surplus $809,321 43 



IV. INCOME DURING THE YKAK. 

Fire Inland. 

Premiums received in cash, 404,463 68 4,466 15 

Deduct re-insurance, rebate, abatements 

and return premiums, 86,421 11 101 82 



Actual cash premiums, 318,042 57 4,364 33 322,406 90 

From interest on loans and dividends on stocks and bonds, 36,058 78 

From all other sources, 20, 580 63 

Actual cash income $379, 046 31 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (includ.$l 5,- 

317.73 occurring in previous years) 167,209 08 5,414 49 

Deduct re-insurance and salvages 6,307 53 366 59 

Net amount paid for losses,... 160,901 55 5,047 90 165,949 45 

Cash dividends 60,000 00 

Commissions or brokerage, 55,562 31 

Salaries, fees, and other office and agency expenses, 24,071 08 

Taxes, 6,861 14 

All other payments and expenses, 32,002 28 



Actual cash expenditures, $344,449 26 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy 17,231.757 44 277,259 33 

Having more than one and not more than three 

years to run from date of policy, 1,883,842 55 23,712 20 

Having more than three years to run from date of 

of policy, 742,530 00 11.99!) 62 

19.858,129 99 312,971 15 

Premiums received since the organization of the Company, 2,078.213 08 

Losses paid since the organization of the Company, 1.101.813 22 

Cash dividends paid stockholders, 290,000 00 

Stock owned by directors at date, 168,100 00 



WfcSTCHESTKK HKE INSURANCE COMPANY. "J'il 

i in Connecticut in 1877. 

I'm q, (no inland) 289,815 00 

Premiuma received on earns 

Lowes paid, '- "' 



WESTCHESTER FIRE [NSUftANCE COMPANY, 

Ni.w Kocnu.i.i:. N. V. 
mmenoed Business, Jan. l. 1870. 
GnoaoaJ. 1 President Geohoe R. Gbatoobd, Secretary. 

Attorney i/> Connecticut, Gno. R. Cowi<zs, Norwalk. 



I CAPITAL. 
tal actually paid ap in rash $800,000 00 

II. ASSETS. 

Real estate owned by the Company, unencumbered 28,000 00 

Loans on bond and mortgage (first liens) not more than one 

year's interest due 189,850 00 

- on bond and mortgage, (first liens) more than one years 

..f which $6, 800 is in proeess of foreclosure,).... 38,ooo 00 

Interest due and accru d <»n l«>nd and mortgage loans, 6,864 .".1 

Valne of the lands mortgaged 167,450 00 

Buildings, (insured for $221,650,) 279,950 00 



>i;,7. -tuii no 
lee and /{>>»</* owned by tin Company. 

Market Value 

U. 8. Stocks: — 

185,000 00 I4«,47fi 00 

60,000 00 B78 00 

1881 115,0 

100,000 <»<» 108,50 
- 

1881 



292 WJESTCEHafTKk FIRE insurance company. 

Par Value. Market Value 

Railroad Bonds : — 

Central Pacific. 20,000 <0 21.600 00 

Chesapeake & Ohio, 10,000 00 2,500 00 

Bank Stocks : — 

Manufacturers & Merchants 2,000 00 2,000 00 



Total, 8^12,000 00 $539,681 25 539,681 2; 

Loan* on Collateral. 

Par Value. Market Valne. Amt. Loaned. 

Huguenot Park Association, 5,000 00 3,500 00 2,000 00 

Pokeepsie Gas Co.. 4,000 00 4,000 00 2,000 00 

Cen. Bank, Westchester Co., 1,900 00 1,900 00) 

Taylor Iron Works, 2,500 00 COO 00 - 2,500 00 

Harlem & Fordham B. B..... 3,000 00 900 00 ) 

Citizens Bank, 3,750 00 5,000 00 2,000 00 

Bond & Mort. assigned to Co 500 00 500 00 500 00 

Bowery Bank, 10,000 00 14,500 00 10,000 00 

Cen. Bank, Westchester Co., 2,600 00 2,600 00 2.000 00 

Star Fire Insurance Co.. 3,300 00 3,630 00 2,100 00 



Total, $36,550 00 837,130 00 823,100 00 23,100 00 

Cash in Company's principal office, 8,974 24 

Cash deposited in bank, 28,963 88 

Interest due and accrued on special deposit, 291 25 

Interest due and accrued on collateral loans, 1,333 24 

Gross premiums in due course of collection, 87,058 95 

Rents due and accrued, 1,524 6^ 



Assets of the Company at their actual value, 8903,141 97 

III. LIABILITIES. 
Losses adjusted and unpaid 9,742 11 

Losses reported and unadjusted, 7.722 45 

Losses resisted, , 11,800 00 

Net amount of unpaid losses, 29,261 56 

Unearned premiums on fire risks, one year or less, 217,539 73 

Unearned premiums on risks more than one year, 126,210 03 



Amount of unearned premiums as computed above, 343,749 76 

All other demands against the Company, 9,124 76 



Total liabilities except capital stock, 382,139 08 

Capital stock, 300,000 00 

Surplus beyond capital, 221,002 89 



Total liabilities including capital and surplus, 8903,141 9^ 

IV. INCOME DURING THE YEAR. 

Premiums received in cash 687,160 82 

Deduct re-insurance, rebate, abatements and return 

premiums, 77,774 16 






Actual cash premiums,..,,,. , 609,386 66 






WESTCHESTER FIRE IN8UKJLN0K OOMPAN1 

From abends andu 12,54 

From Intel i dividends on itooki and bonds, 



Actual oaah inooms (648,! 



v. BXPENDITUBE8 DURING THE \i:\i; 
Amount paid for losses, (including (18,749.60 ooour- 



loot re-insui 



imount p:iid for UmSSS, 910 88 

dividends, 29,9 

Oommiasioni or brokerage 118,1 

Bslsriassnd foi MX) 00 

15,889 7 7 

nil other payments and bx\ • ;'.•. i7.~> 67 



Actual cash expenditures, §586,189 18 



VI MISCELLANEOUS. 



Premium*. 



Risks in force hsTing not more than one year to 

run from date of policy 40,888,897 00 486,079 M 

D one and not more than three 

1 to roc from date of policy, 24,806,220 00 210,469 71 

Having more than three years to run from date 
of policy , 4,042,825 00 62,284 4:> 



r36,942 00 <;;»7.7 

Premiums received since the organization of the Company, 6,610,845 11 

1 since the organization of the Company 2,988,994 31 

Ca*.h dividends paid stockholders, 158,000 00 

Stock owned by directors at date, 144,000 00 

Stock dividends declared 100,000 00 

Loaned to officers and directors 00 00 

Loaned to stockholders not officers, 20, ' ' 

• 'lie** in Connecticut in 1 

Fire risks taken Cno inland, | 2,616, 190 00 

Premiums received on same 24,854 18 

Losses paid, 17,'; 



294 WILLIAMSBURG CITY FINE INSURANCE COMPANY 



WILLIAMSBURG CITY FIRE INSURANCE COMPANY, 

Brooklyn, N. Y. 

Commenced Business, March, 1863. 

Edmund Driggs, President. N. W. Meserole, Secretary. 

Attorney in Connecticut, C. W. Preston, Hartford. 



I. CAPITAL 
Capital actually paid up in cash, $250,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered 78,201 07 

Loans on bond and mortgage, (first liens), not more than one 

year's interest' due, 234,820 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, (of which $4,700.00 is in process of foreclosure), . 12,100 00 

Interest due and accrued on bond and mortgage loans, 4,579 87 

Value of the land mortgaged, 231,200 00 

Buildings, (insured for $218,800), 250,000 00 



$481,800 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States reg. 5's, 1881, 24,000 00 25,140 00 

" 5-20's, 1865,.... 30,000 00 30,825 00 

6's, 1881, 00,000 00 03,900 00 

" Currency 0's, 40,000 00 48,000 00 

•' 10-40's, 57,000 00 59,850 00 

Georgia Bonds, 25,000 00 . 25,000 00 

Railroad Bonds : — 

Grand Street & Newtown, 20,000 00 20,00000 

Brooklyn City, 10,000 00 20,000 00 

Railroad Stocks :— 

Grand Street & Newtown, 25,000 00 22,500 00 

Dry Dock, E. B'way & Battery,. . . 20,000 00 20,000 00 
Bank Stocks : — 

Mech Si Traders', Greenpoint ... . 8,000 00 7,200 00 



7,000 ('<> 

2,000 00 

,500 00 

.oim 00 

290 00 

.(mo 00 

|,90 I 00 



WILLIAM CITY* FIKE INSURANCE COMPANY. 

Par Valne. Karkei Value. 

S utt ,!. Brooklyn, 1,000 00 i no 

ii,l. •• 10,000 00 l 1,000 00 

■nil. •• 00 5,*400 00 

a : — 

IV, . I 00 10, too 00 

Metropolitan M u 5.OQ0 00 8,600 «><> 

ten'fl •■ •• 7,120 00 6,408 00 

ny 1".<'" 1 1 1,622 00 

18*1,720 00 $395, 3 9 n 00 895,395 00 

Loans <> '''■ 

•■ rkct Value. Arat Loaned. 

Mfrs. \ ... N. Y 8,000 00 2,850 00 2,000 00 

oklyn,... 8,000 00 5, 100 00) 

; Nt in 1,00 i 00 ■'•. 1O0 00> 

\:it. Bank, Br toklyn,.. 1,800 00) 

;.. •• 1,000 00 1,600 00^ 

bb Hill Cemetery beta.,. 2, 2,000 60 1,500 00 

3,000 00 4,r_'.". <>o> 

opolitan Oaa Co., Bkyn, 2,000 00 1,440 

Peopled •• " 1.000 00 1 290 00 

b Sid it.. L I., sea 6,2< 8,000 00 8,000 00 

litre :. N. Y 1,380 00 1,811 00) 

00 1,750 00) 

a Newtown It. it. 1,900 00 1,710 00 1,150 00 

.i 00 I 00 fi .it 00 

Mfrs. Nal f. Y 1,200 00 1,140 00 1,000 00 

Grand St. . d It. It. 1,500 I 1,850 00 1,000 <><> 

: 00 19,0 'ii I 10,000 00 

Fir- ii... 1,800 00 2,840 00 1. <><><> 00 

Bqnil Co. LO,00 I I 2,000 00 1,150 00 

liOO 00 B22 00 600 00 

Mfr- Y BIO 00 769 50 650 00 

00 8,61 U I 2,500 <"> 

■ i 00 2,500 00 1,950 00 
1/250 00 2,( 00 I 

Baltimore Gas Co., 7,500 00 11,250 00) 

ooklyn 1,500 00 2,250 00) 
' . •• 

1,000 00 1,120 ' i 00 

I 10,000 «'o 

I 00 7,1 

1 i 1,540 00 70,640 00 

■; :':' 





I 7 I .". 1 



I'M- 

L75 



\ ■ ...... I 



296 WILLIAMSBURG CITY FIRE INSURANCE COMPANY. 

III. LIABILITIES. 

Losses adjusted and unpaid, 3,382 77 

Losses reported and unadjusted, 3,807 38 

Losses resisted, 7.350 00 



Net amount paid for losses, 14,540 15 

Unearned premiums on fire risks, one year or less 151,064 37 

Unearned premiums on risks more than one year, 40,780 19 

Ainouat of unearned premiums as computed above, 191,844 56 

Cash dividends to stockholders remaining unpaid, 150 00 

Due and accrued for salaries, rent, &c, 2,466 66 

All other demands against the Company, 5,421 13 



Total liabilities except capital stock, 214,122 50 

Capital stock, 250,000 00 

Surplus beyond capital, 408,413 74 



Total liabilities includiug capital and surplus, $872,836 24 



IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, 363,501 13 1,832 56 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 16,216 04 



Actual cash premiums, 347,285 09 1,832 56 349,117 65 

From interest on bonds and mortgages, 17,413 43 

From interest on loans and dividends on stocks and bonds, 22,742 18 

Form rents, ■ 1,115 95 

Actual cash income, $390,389 21 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount paid for losses, (including $13,- 

410.06 occurring in previous years,... 139,182 02 5,324 1J 

Deduct salvages, 1.677 50 



Net amount of unpaid losses, 137,504 52 5.324 15 142,828 67 

Cash dividends, 49,900 00 

Commissions or brokerage, 60,131 13 

Salaries and fees, 44,972 89 

Taxes, 1,515 78 

All other payments and expenses, 45,504 30 



Actual cash expenditures, $344,852 77 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having uot more than one year to 

run from date of policy, 44,012,413 00 302,128 75 



PTILLIAMSBUBG OITY P1BI [N8U RANGE COMPANY. 

kg more than one and not mora than three 

years to ran from date of poHoy 4,998,872 00 M,0( 

Haying more than three jean bo run from date of 

polioy 9,598,906 00 

184,491 00 879,898 16 

Marino. Piemlune. 

409,991 00 59 10 

Praminma r<v. hred ainoe the organization of the Company, 6,924,004 B0 

Losses paid sinee the organization of the Company 2,881,981 U5 

. dividends paid stockholders 686,000 <><> 

. owned by direetora at date o«;.;t ~>o 00 

Loaned to officers and directors - 90 00 

Loam [holders not officers 9,860 00 

'/itss in Connecticut in 1877, 

risks taken (no inland.) 1,216,249 00 

11,896 ~~> 

4,4:;.'. 18 



oS 



MUTUAL FIRE 
INSURANCE CO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNAL STATF 

MENTS, SHOWING THEIR CONDITION ON THE 

31st DAY OF DECEMBER. 1877. 



Ml'TUAL CO'S OF OTHER STATES. 



AMERICAN INSURANCE COMPANY, 

Ne-syai'.k, N. J. 
Commenced Business, April 1, IS 
d. Prtsi>; F. H. Habris, (Secretary. 

Attorney in Connecticut, Chakles Wilson, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, (represented by scrip, pledged 

to meet loss*-- $600,000 00 



II. ASSETS. 

Real estate owned by the Co mpa ny unencumbered 185,1/ 

Loans on bond and mortgage, (first liens i. not more than one 

year's interest dm- ,669 B9 

Loans on bond and i; li<-ns. . u\nr<- than mw y< 

of fofeolosara, ) .. 19,8 

Loans on b i >rtgage, (sec Mid Hens.; more than one yi 

residue, $6,000 00 

Interest due on bond i.'i.' 



'302 AMERICAN INSURANCE COMPANY. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

United States bonds 5's, 1881, reg.,. $225,000 00 236,250 00 236,250 00 

Gash in Company's principal office, 6 339 11 

Cash deposited in Bank, 45 495 65 

Gross'premiums in due course of collection, 14 995 34 

Bents due, ' 858 36 

American Ins. Co's. scrip owned by Co., (avaiable as cash, market 
value,) $68,765 00 



Assets of the Company at their actual value, $1,354,488 38 



III. LIABILITIES. 

Net amount of unpaid losses, 2.919 66 

Unearned premiums on fire risks, one year or less, 81,475 43 

Unearned premiums on risks more than one year, 23,846 52 

Amount of unearned premiums as computed above 105,321 95 

Amount reclaimable by the insured on perpetual fire policies, 237 50 

Cash dividends to scripholders remaining unpaid, 5,901 70 

All other demands against the Company, 33,984 50 



Total liabilities, except capital stock, 143,365 31 

Capital stock, (represented by scrip, pledged to meet losses) 600,000 00 

Surplus beyond capital, and all other liabilities, 606,123 07 



Total liabilities, including capital and surplus, $1,354,488 38 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 192,680 17 

Deduct re insurance, rebate, abatements and return 

premiums, 12,056 88 



Actual cash premiums, 180,623 29 

From interest on bonds and mortgages, and U. S. bonds, 68,416 39 

From rents, 5,079 43 

Actual cash income, $254,119 11 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including f$3,000.00 occur- 
ring in previous years,) 49,279 83 

Deduct salvages, 1,500 no 

Net amount paid for losses, 47,779 83 

Cash dividends paid policyholders 29,349 00 

Dividends paid to'scripholders 61,146 91 

Commissions or brokerage, 23,565 08 



alCBRIOAN [N8URANCM COMPANY. 
. 1 fees, 

I,L\ 

All other payments and expense! 4,098 ">i 

Actual o §200,191 



VI. MISCELLANEOUS. 



Promlamn. 



in foroe having not more than one year t<> 
ran from date of policy 22,001,858 80 162,988 86 

g more than one ami m>t move th;m three 

years to run from date of polioy 1,946,526 50 20,608 89 

: g more than t!.: to run from date of 

policy 1,711,824 50 21,226 24 

Perpetual risks in force and interest pteminms,.,. 6,000 00 17 50 



25,665,204 80 204,780 4'.) 

Premiums received since the organization of the Company, 2,662,245 95 

Losses paid sine*- the organization of the Company 681,885 26 

Cash dividends paid policyholders 799.402 L'<; 

Loaned to officers and directors 10,100 </0 

•fir >li ill 1877. 

Fire: inland) HOC, 371 88 

Premiums received on same 5,58 

Losses paid, 1,112 81 



304 HOLYOKhi MUTUAL FJKE INSUKANCE COMPANY. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, 

Salem, Mass. 
Commenced Business. May 23, 1843. 
Augustus Story, President. Thomas H. Johnson. Secretary 

Attorney in Connecticut, S. T. Holbkook, Norwich. 



I. CAPITAL, 

Capital actually paid up in cash, $100,000 00 

II. ASSETS. 

Ileal Estate owned by the Company unencumbered, 50,000 00 

Loans on bond and mortgage, (first liens), not more than one 

year's interest due, 0,500 00 

Interest accrued on bond and mortgage loans, 77 77 

Value of the land mortgaged, $ 3,100 00 

Value of buildings (ins. for $0,500.00) 11,500 00 

$14,600 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. 5-20'sloan 1865, gold 5,000 00 5,275 00 

1807, 6's gold,.. 27,500 00 29,708 75 

Massachusetts 5's 1893, gold, 4,000 00 4,400 00 

New Hampshire 0's 1897, 4,000 00 4,45100 

Municipal Bonds : — 

Adams County, Ills. 8's, 1880, 5,000 00 5,100 00 

Licking Co. Ohio, 7, 3-1 0's 1882,. 5,000 00 5,150 00 

City of Columbus, Ohio, 7's, 1883 6,000 00 0,150 00 

« Cincinnati " 7's, 1904, 5,000 00 5,350 00 

" Cleveland " 7's, 1879, 5,000 00 5,200 00 

" " 6's, 1897, 5,000 00 5,275 00 

» Chelsea, Mass. 6's, 1892,. 17,000 00 18,700 00 

» Cambridge, Mass. 6's, '84, 10,000 00 11,000 00 

« Chicago, 111. 7's, 1894, 5,000 00 5,375 00 

<< " loan cert. 6 ( s '78 30,000 00 30,000 00 

« Hartford, Conn. 6's, '91,.. 10,000 00 11,000 00 



LI PIKl 'MI'ANV. 

\ line. Millket Wilur. 

-vl [nd. :. 7,210 00 

•■ 1 I 

•■ I. • , ! 1,480 00 
••1 00 

*• y . oo 

fl (iii 

I'-t) 5,60< 

»» Portland, I 00 

ld.Too 00 

: 11,100 00 

I oo 10 00 

•• \ ; ) 00 

•• Wald u,.. 8,000 00 8,062 GO 

Chioago, BorL a j l 00 18,067 80 

00 

21,01 00 11,130 00 

U; ; .. .. 6,00 l B6 26 

Vt. v oo 740 00 
'. 

1,850 

Old Colony 8,10 9 00 

I 00 8,250 00 

'.Moo 00 
U: — 

i 00 4,096 00 

Kxcliange 00 27 00 

•' 1,000 1,260 

I •• 8,900 00 6,92 

Lena " •• 14,000 00 16.8S 

!; of Commerce. Boston,. 00 90 00 

J.lic •• 00 ''>..".:.■ 

I 00 

Fret- •• :,600 00 1,620 00 

-be •• 8,24 

Met b '• " 10,66 

. mal Kevere, Boston 1,840 

8,66 I 
10,600 00 

- : — 

. oo 00 



>• 

\ tlie, Amt. Loai 
Philli- 10,00 

Cash : 

39 



306 HOLYOKE MUTUAL FIKE INSURANCE COMPANY. 

Cash deposited in bank, ' [ 1,263 87 

Interest due and accrued on stocks, 4,846 43 

Interest due and accrued on collateral loans, 33 33 

Gross premiums in due course of collection, 2,791 89 

Kents due and accrued 157 50 

Assets of the Company at" their actual value. $445,877 72 



III. LIABILITIES. 

Unearned premiums on fire risks, one year or less,... 14,817 38 
Unearned premiums on risks more than one year, 137,569 88 



Amount of unearned premiums as computed above, 

Principal on unpaid scrip or certificates of profits, 

All other demands against the Company, 



Total liabilities, except capital, 

Guarantee capital 

Surplus beyond capital, 



Total liabilities, including capital and surplus, . 



152,387 
720 

772 


26 
15 
91 


153,880 32 
100,000 00 
191,997 40 


$445,877 


72 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 102,375 03 

Deduct re-insurance, rebate, abatements and return 

premiums, 2,307 10 

Actual cash premiums, 100,067 9?, 

From interest on bonds and mortgages, 459 50 

From interest on loans and dividends on stocks and bonds, 21,324 29 

From all other sources, 3,146 15 



Actual cash income, $.124,997 87 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses (including $1,148.93 occur- 
ring in previous years), 40.895 80 

Deduct salvage 605 00 

Net amount paid for losses, 40,290 80 

Cash dividends, , , 26,776 34 

Interest paid to stockholders, 10,000 00 

Commissions or brokerage, 15,482 20 

Salaries and fees, 7 3 5 37 

All other payments and expenses, 2,099 17 

Actual cash expenditures $91,963 88 



ll<<: MUTUAL PIRK IN8URANCE COMPANY. 

vi IO80EL] AM' »i - 

Premium*. 

in force 1 more tlmn one year to 

ran from date of policy 6,888,814 00 968 49 

Saying more than one end not more than three 

* to ran from dale of policy 7,611,829 00 114,291 41 

g more than thl to run from date of 
policy 1,786,978 00 27 28 

20,287,621 00 286,272 06 

1 rinee the Company organized 1,119,421 97 

. directors at date. 200 00 

Loaned to offioen and direoton lo.ooo 00 

Businsu in Connecticut in 1877. 

Fire risks taken, (no inland) 400,870 00 

Premioma received on same 3,941 22 

1 87 78 



308 LYCOMING FIRE INSURANCE COMPANY. 



LYCOMING FIRE INSURANCE COMPANY, 

Muncy, Penn. 

Commenced Business, April 18, 1840. 

Wm. P. J. Painter, President, James M. Bowman, Secretary. 

Attorney in Connecticut. L. W. Sperry, New Haven. 



II, ASSETS. 

Real estate owned by the Company unencumbered, 

Loans on bond and mortgage, (first liens), not more tnan one 

year's interest due, 

Loans on bond and mortgage, (first liens), more than one year's 

interest due, 

Interest accrued on bond and mortgage loans, 

Total value of mortgaged premises, 18, 000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks :— 

United States 10-40's, 2,000 00 2,160 00 

Municipal Bonds : — 

Catawissa 7's, 11,000 00 11,440 00 

Borough of Tyrone, Pa., 300 00 300 00 

Miscellaneous : — 

Muncy Gas Co., 2,800 00 2,800 00 



50,000 


00 


3,500 


00 


4,337 


00 


918 


38 



Total, $16,100 00 $16,700 00 16,700 00 

Cash in Company's principal office, 2,939 27 

Cash deposited in Bank, 74,704 68 

Interest due and accrued on stocks, 410 00 

Net premiums in due course of collection, 115,970 29 

Bills receivable, 10,723 20 

Net assessments in process of collection, 51,112 56 

Net assessments due on premium notes, 131,785 62 

Premium notes, 4,651, 2oI 19 



Assets of the Company at their actual value, $463,101 00 



III. LIABILITIES. 

Losses adjusted and unpaid, not due, 66,324 81 

Losses reported and unadjusted, 63,254 83 

Losses resisted, 34,912 38 

Net amount of unpaid losses, 164,492 02 



[N8URANCK C0MPAN1 

Amount"' ,;:; H 

'-'••'" 

.1 linl.ilit.. 

W 2] 

J Uabffltieainolading surplus §468,101 00 

IV. ENOOME DUBXNG Tin: YEAR. 

Premiums] 485,417 68 

abatements and return 

miums s4,4f>l 41 

Actual cash premiams 400,! 

Prom interest on bonds end mortgages 846 03 

Frou; a loans and dividends on stooks and bonds, 1,791 26 

unents oolleoted from Jan. I, to Deo. 81, 1877, inclusive 8< 



maToaah incomo $712,485 4!) 

V. EXPENDITURES DURING THE YEAR 
Amount paid for losses, (including $108,949.60 occur- 
ring in ] 494,211 60 

rages and re-insuranoe 2,676 69 

Amount paid for losses, 401, .034 91 

Commissions or brokerage, 70, ">98 24 

9,480 20 

Taxes 6,462 11 

■ing 7,466 06 

All other payments and expenses 74 07 



sash expenditures, $664,814 68 



VI. MISCELLAN i ;<»rs. 



Premiums. 



having not more than one year 

to rnnfi of policy 5 00 271. ( 

ban one and not more than three 

•f policy 11,160,742 

Having m< ores years to run from date of 

poll 2,875,179 00 



Premiums and assessments rec the organization of the 

Co: , 28 

Losses paid since the org.: f the Company, 7,1 

■ 
Preni 



310 M. AND FARMERS MUTUAL FIRE INSURANCE COMPANY. 



MERCHANTS AND FARMERS MUTUAL FIRE INSURANCE 

COMPANY, 

Worcester, Mass. 

Commenced Business, January 1, 1847. 

Isaac Davis, President. Elijah P. Stoddard, Secretary. 

Attorney in Connecticut, Ralph, Gillett, Hartford. 



II. ASSETS. 

Real estate owned by the Company unencumbered, 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 

Interest due on bond and mortgage loans, 

Value of the land mortgaged, 22,000 00 

Buildings, 18,800 00 

$40,800 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 



Railroad Bonds :-- 

Providence & Worcester,, 

Worcester & Nashua, 

Municipal Bonds : — 

City of Lawrence, 

Bank Stocks : — 

Central, 

Wachusett , 

Mechanics, 

Westminster, 

Quinsigamond, 



25,000 00 
20,000 00 

19,800 00 

2,000 00 
2,500 00 
1.300 00 
2,000 00 
800 00 



26,500 00 
20,000 00 

19,800 00 

2,840 00 
3,000 00 
1,750 00 
2.000 00 
944 00 



50,000 00 

17,000 00 
52 50 



Total, $73,400 00 $76,834 00 



76,834 00 



Loans on Collateral. 



Par Value. 

Quinsigamond Bank, 3,200 00 

Worcester & Nashua R, R.,. 1,500 00 
United States Bonds, 1 , 700 00 



Market Value. 
3,776 00 
1,500 00 
1,700 00 



Amt. Loaned. 
3.000 00 
1,500 00 
1,700 00 



Total, $6,400 00 &6,976 00 $6,200 00 



6,200 00 



832 


28 


50,246 


06 




00 


8,425 


24 


lis 


16 



If. AND FARMERS MUTUAL riRE INSURANCE COMPANY. 311 

Loans on person*] Beourity, 5,000 00 

Oaah in Company's principal offloe 

deposited in banks 

Interest aooraed on Btooks 

Not premiums in dne oonrse of oolleotion, 

Bills receivable 

Offloe furniture 600 00 

Preminm notes 1 85, 1 55 .". i 

Lsseta of the Company at their totual valne $204,700 88 



III. LIABILITIES. 

Net amount of unpaid losses 2,000 00 

Amount of unearned premiums lo>. 

Dividends to policyholders, 1,000 00 

Total,liabiliti> capital stock 111,868 BS 

Surplus 92,845 55 

Total liabilities including surplus, |204,709 .'18 



IV. INCOME DUKING THE YEAR. 

Premiums received in cash 56,138 62 

Deduct re-insurance, rebate, abatements and return 

premiums, 1,908 49 

Actual cash premiums 

Deposit notes received during the year for premiums., l 12,267 24 

Prom interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds 

Prom all other sources, 



Actual cash income. 



54,225 


l;; 


990 


00 


6,345 


62 




39 


$ 64,148 


14 



V. EXPENDITUBE8 DURING THE YEAR. 

Amount paid for losses, (including | 3,788 69 occurring in pre- 
via . 27647 12 

Oash dividends to policyholders is 134 pi 

Commissions or brokerage 7 go£ 7:; 

Salaries and fees , ; (; , 

Taxes, 1.891 h; 

All other p aid expenses I. '17 ->i 

Actual cash expenditures, * ( 

VI. M1S0ELLANEO1 

:n f<,r<-<- having from one year to five v. 

' 1!1 fl '" r " ,: 2, 632, -17 l 82,294 16 

rs to run from date of policy,.... 12,005,8^1 no \gn j •;; \ 






312 Newark fire insurance company. 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 458,385 00 

Premiums received on same, 3,708 54 

Losses paid. 4 s 895 36 



NEWARK FIRE INSURANCE COMPANY, 
Newabk, N. J. 

Commenced Business, May 10, 1810. 

Cephas M. Woodruff, President'. John J. Henry, Secretary. 

Attorney in Connecticut. Charles Wilson, New Haven. 



II. ASSETS. 

Real estate owned by the Company unencumbered,.. 57,000 00 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 411,295 00 

Loans on bond and mortgage, (first liens.) more than one year's 

interest due, (of which $7,000 is in process of foreclosure,) 23,100 00 

Interest due and accrued on bond and mortgage loans, 10,561 93 

Value of the land mortgaged, 570,200 00 

Buildings, (insured for $534,675.00) (150,000 00 



1,220,200 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value, 
U. S. Stocks : — 

United States 5-20's, reg. 1865,.. 10,000 00 10,275 00 

6's, 188 1, reg., 25,000 00 26,656 25 

5-20's. 1867, coup.. 5.000 00 5,425 00 

fj's, 1881, coupons, 10,000 00 10,875 00 
Railroad Bonds : — 

Morris & Essex, 10,OCO 00 7,500 00 

Bank Stocks : — 

National State Bank 13,70 > 00 15,481 00 

City National 13.250 00 18,550 00 



N'fcWAKK PIKK INSURANCE COMPANY. 

J';ir Nalui'. IO( Value. 

Nations) Newark H. inking Oo 10.780 00 

Ma ■•. ini ■ N itum.,1. I 00 8,417 60 

• 1,050 00 1.812 60 



tal - WOO $115,272 M 115,272 211 

v's principal ottoe, 7,134 86 

In bank 106 98 

Inter 1,971 00 

ii'uns in da of oolleotion 11,274 00 

Hills : 400 : ! 7 

4b; SO 

timet* >f the < M their actual value $671,762 B8 



in. LiABiLnn 

irned premiums on Are risks, o ... 87,682 86 

nioms on risks more than one year, ... 12,971 92 



urned preminms as oomputed above 60,604 27 

ipholders remaining nopaid 7,474 41 

876 00 

All other deman 1 my 



I liabilities, 

Landing 

Surplus 



2,016 


LI) 


60,469 


78 


254,604 


00 


856 (589 05 



including surplus $671,762 88 



IV. INCOME DURING THE YEUi. 
Preu. moash, 104,815 '.»<> 

I returu 
dams, - f.171 .">."» 



ad mortgage! 

to loans and dividends on stocks and bonds, 

Prom all othei 



.1 cash income, 



80,644 


6 6 


82,469 


20 


4,816 


60 


7 in 


no 


$118,659 





v. EXPENDITURES DUBIN I THE YEAK. 
Amor. Mas, lincl | I occnrring in pre- 

19, 77 

24,0 

KM or brokerage 12,91 

.... 

40 



314 NEWARK FJKE INSURANCE COMPANY. 

Taxes : 2,020 43 

All other payments and expenses, 5,890 23 

Actual cash expenditures, » $72,373 31 



VI. MISCELLANEOUS. 

To Policyholders. 

Scrip dividends declared to date, 447,785 23 

Deduct amount redeemed in cash, 193,181 23 



Balance of scrip dividends, 254,604 00 

Scrip deliverable not actually delivered, 7,709 00 

Risks in force having not more than one year 

to run from date of policy, 

Having more than one and not more than three 

years to run from date of policy, 

Having more than three years to run from date 

of policy,... 





Premiums. 


2,321,125 00 


71,460 00 


904,453 00 


10,719 37 


829,758 00 


12.828 14 



14,055,336 00 94,507 80 

Premiums received since the organization of the Company, 1,245,045 09 

Losses paid since the organization of the Company, 212,476 12 

Cash dividends paid policyholders, 506,208 79 

Business in Connecticut in 1877. 

Fire, risks taken, (no inland), 214,855 67 

Premiums received on same, 2,222 88 

Losses paid,.... T .... 170 42 






MARINE 
INSURANCE GO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
n DAY OF DECEMBER, 1877. 



MARINE CO'S o'F OTHER STATES. 



MK!H ANTILE MUTUAL INSUUANCE COMPANY, 

Ni.w Youk City. 
Commenced Business, April, 1842. 
IfoirrooiiraT, Jr., President, 0. J. Dxspard, Secretary 

Attorney in Connecticut. C. C. Kimbaix, Hartforil. 



I. CAPITAL. 

"i illy p ii | np in • :-:i $500,000 00 

II. ASSETS. 

\k& and B tdbythe Company. 

l*:ir Value Market Valuo. 

- 

D - 23,000 00 24,26 

; ■ . - !'.".. 000 00 11 l,00l 

I 11,000 00 11. .".>". 00 

■ Y..rk City fi p 10,000 00 20,4l I 

Railkou' Boirpa : — 

1,00 880 oo 

[adUnapolii A Vis 20,01 00 

Hum. 6 M : — 

| -,. r , 76,000 DO 81 ■ 
L I N nth Fbon P I I I 



818 



MERCANTILE MUTUAL INSURANCE COMPANY. 



Bank Stocks : — 
Bank of America, , 

" Commerce, 

" New i'ork, 

" Republic, 

'• State'of New York, 

American Exchange, 

Continental, 

Gallatin National, 

Hanover 

Metropolitan, 

Merchants, 

Manhattan, 

Marine, 

Phenix, 

Park, 

St. Nicholas, 

Union, 

Miscellaneous : — 

Williamsburgh Gas L. Co. , 



scrip, 



Coast Wrecking Co 

Mercantile Mutual Ius. Co. 



Par Value. 

7,000 00 

5,000 00 

2,500 00 

7.500 00 

4,000 00 

10,200 00 

0,000 00 

6,700 00 

10,000 00 

3,800 00 

10,000 00 

15,000 00 

1,700 00 

000 00 

10,000 00 

11,000 00 

1,000 00 

10,350 00 

13,000 00 

10,000 00 

15,500 00 



Market Value. 

9,660 00 
6.150 00 
2,825 00 
0,525 00 
4,800 00 

10,710 00 
6,750 00 
7,973 00 

10,000 00 
4,864 00 

11.600 00 

21,000 00 

1,360 00 

588 00 

10,600 00 
7,920 00 
1,460 00 

19,785 00 

13,000 00 

5,000 00 

15,500 00 



Total, $420,050 00 



,212 00 447,212 00 



Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Continental Ins. Co., $10,000 00 $15,000 00 $!),000 00 

Cash in Company's principal office, ) 

Cash deposited in bank, , > 

Interest due and accrued on stocks, 

Interest due and accrued on collateral loans,. 

Gross premiums in due course of collection, 

Bills receivable, 

All other property belonging to the Company, 



9,000 00 
40,634 93 

4,057 00 

270 00 

128,712 39 

189.823 57 

87,573 00 



Assets of the Company at their actual value, $907,282 89 



III. LIABILITIES. 

Losses adjusted and unpaid, 7,100 00 

Losses reported and unadjusted, 97,955 00 

Losses resisted, 15,000 00 



Total, .: 120,055 00 

Deduct re-insurance and salvages,.... 17,000 00 



Net amount of unpaid losses 

Amount of unearned premiums. 

Cash dividends to stockholders remaining unpaid, 
Due and accrued for salaries, rent, &c, 



103,055 00 

119,786 22 

14,367 63 

545 01 



KKKCANTILl MUTUAL IN8UKANCK COMPANY. 

All other demands againsl the Company 11,887 89 

■ J Liabilities 

Capital tA 600,000 00 

Surplus! 157,691 <U 



.1 liabilities, including capital end surplus - 12 89 

iv. [NOOHE DURING THE YEAR. 

Premiame i inoesb 1,021,709 82 

Deduct re-insurai itements and return 

uiums :,'."><>. :r>4 4-1 



tneloesb premiums . i v - 

Bills end n I f or prems., remaining unpaid,.. 189.584 18 

From interest on loans and dividends on stocks and bonds .':<».: 

. all other - 341 <>l 

Aetna! oaefa inoome §841,177 98 



V. EXPENDITURES DURING HIE YEAR. 

Amount paid for losses 691,076 '-!'"> 

snd re-insurance 7<> 106 ."4 



mt paid for losses 620,969 72 

Cash divi.l. m fas 12,6 

brokerage 62,151 41 

Belaries and fees, 42,14 

Taxes 9,662 27 

All other payments and expenses 122 19 



Actual cash expenditures |7 0,848 57 

VI. MISCELLANEOUS. 

Marino. Premiums. 

■.mount of risks in force, 1,251,888 00 119,786 22 

dome received since the organization of the Company 88,824,07* 

s organization of the Company 29,004,987 B6 

Cash 1,447, 1( 

112,85* 

BuHneuin OonntcUoutin 1877. 

kfarine and inland risks taken, 1,99 

rVeminnu reoi 4,571 

. i ■ : 62 






320 



PACIFIC MUTUAL INSURANCE COMPANY. 



PACIFIC MUTUAL INSURANCE COMPANY, 

New York City. 

Commenced Business, Jan, 10, 1855, 

Horace J, Moody, President. Willoughby Powell, Secretary. 

Attorney in Connecticut, C, W. Preston, Hartford, 



II. 

Stocks and Bonds 

U. S. Stocks : — 

U. S. bonds 4's, reg. 1!)07, 

10-40*s, reg., 

" l()-lu',s. coupon, 

Bank Stocks : — 

Harlem, 

American Exchange National, 

Bank of North America, 

National Bank of Commerce 

MlSCELLANEOrS : — 

Delaware & Hudson Canal Co. 91, 
Delaware & Hud. Canal Co. stock, 
International Ocean TelegraphCo. 
N. Y. RIer. Ex. & News Associa.,. 
Sundry Insurance scrip, 



ASSETS. 
owned by the Company. 



Par Value. 

110,000 00 
200,000 00 

8,000 00 

2,500 00 

10,000 00 

8,500 00 

5,Q00 00 

10,000 00 

20,800 00 

2,500 00 

1,000 00 

720 00 



Market Value. 

111,100 00 

214,000 00 

8,500 00 

025 00 

100.00 00 

0,120 00 

0,100 00 

0,900 00 

13.400 00 

1,375 00 

900 00 

050 00 



Total, $385,020 00 $383,330 00 

Loans on Collateral. 

Par Value. Market Value. Arct. Loaned. 



383,330 00 



N. Y. Central 0's, 1883, 5,000 00 

Union Bank, 1,500 00 

Bank of New York, V, , 200 00 



U. S. Life Ins. Co., 5,000 00 

stock,... 10,000 00 

United States Trust Co., 4.000 00 

Merchants Bank 1,750 00 

Broadway Bank 2,500 00 

Guardian Fire Ins. Co., 3,000 00 

Importers & Traders I. Co.,. 3,8<>0 00 

Manhattan Co., 4,400 00 

Peoples Bank, 025 00 



5,150 00 
1,950 00"| 

3,080 00 ' 

3,750 00 

15,000 00 

14,000 00 

2,047 00 

5,025 00 

1,950 00 

4,250 00 

5.940 00 

843 75 



4,000 00 



)■ 47.500 00 



riO KUTUAL INSUR 821 

I'.r \ .:•■:.■. If arket Valee. Ami Loaned 

. OQ 00 ?,790 no 
8,250 00 

00 8,060 00 

11,500 00 12,01 

l."i 1,9 00 

1,000 00 ,;7 . ,,m ,M) 

2,000 00 2,600 00 

| •• 1,000 00 1,060 00 

1,000 00 1,460 00 

Fourth v - . 47,500 00 46,560 < 

raJ •• 10,000 00 10,00 ■' 

l no 9,460 00 8,000 00 

00 1,120 00 8,000 00 

1161,896 75 $124,600 00 124,600 00 

in Company's prinei] 1,688 89 

in Bank, 148,671 7* 

200 00 

Intt-r- - I aoorned on oollateraJ loana 204 7."» 

remiama in due conrae «>f collection 23,944 v i 

Bills receivable 51,277 09 

Bills reoeiTable Ine $2,678 

All other p klonging to the Company 44,675 H7 



heir actual value *77*.W 7'.i 



III. LIABILITIES. 

moont of unpaid 122,800 00 

Whole amount of premiums not marked off as earned, 61,876 69 

1'nu- 26,686 11 

ipal on unpaid scrip or certificates ol profits 12,710 00 

l4.4ol :\-j 

2,( I 

• the < ' impany 



I liabilities, 562 10 

514,926 69 



Total liabilities, including aorplna $778,487 79 



iv. INCOME DUBINQ Tin: vi.ak. 

671,87 

nd r.turn 

una 24 ''.i<»7 I : 



771 18 

ada 



322 PAFIFIO MUTUAL INSURANCE COMPANY. 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses. 379,224 80 

Deduct salvages and re-insurance, 90, 86 1 13 

Net amount paid for losses, 288,303 67 

Scrip or certificates of profits redeemed in cash, 40,468 98 

Commissions or brokerage, 31,612 78 

Salaries and fees, 42,617 49 

Taxes, 8,542 97 

All other payments and expenses, 45,304 84 

Actual cash expenditures, $456,910 73 



VI. MISCELLANEOUS. 

To Policyholder!?. 
Balance of scrip dividends deliverable and outstand- 
ing, (held by the Company, $117,794.00,) 701.811 00 701,811 00 

Limit of scrip accumulation, 500,000 00 

Premiums. 

Net amount of risks in force, ;... 5,199,115 00 75,952 97 

Premiums received since the organization of the Company, 15,837,276 51 

Losses paid since the organization of the Company, 9,325,524 45 

Loaned to directors 70,000 (*() 



Business in Connecticut in 1877. 

Marine risks taken, 45.556 On 

Premiums received onsame,... ... . 240 61 

Losses paid, , 950 80 



CASUALTY 
INSURANCE GO'S OF OTHKR STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS; SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER 1877. 



CASUALTY CO'S OF OTHER STATES. 



KNICKERBOCKER CASUALTY INSURANCE COMPANY, 

Nr.w Yosx On v. 
Oomxnenoed Business, M:iy 1, 1876. 
Datocb, President. John M. Ceam:, Secretary. 

nmctu-'it. .Iidah Fbisbie, New Haven. 



I CAPITAL. 
I op in cash $100,000 <m 

II. ASSETS. 
- on bond and mortgage (first liens) not more than one 

tdue 77,(Kio 00 

Inter.-st aoorued on bond and mortgage loans, - io 75 

. of the lands mortgaged 120,000 00 

Bail insured ifor $86,000,) 40,000 00 



$l<;o.ooo 00 
■ owned ^y tlu ( ompemy. 

Par Vulue. Market Valae. 

r. s. b 

88,000 00 28,68 I 00 





.leandac 

Interest due ai. 

Gross premiums in due oourec of ooDeotion 

All ■-• 

d their *i I 



B90 00 




306 '•"• 






6,* 


!.< 






326 



KNICKERBOCKER CASUALTY INSURANCE COMPANY. 



III. LIABILITIES. 



Losses reported and unadjusted. 
Losses resisted, 



Net amount of unpaid losses, '.. 

Amount of unearned premiums, 

Due and accrued for salaries, rent, &c 

Due and to become due for borrowed money, . 
All other demands against the Company, 



Total liabilities except capital stock, 

Capital stock, 

Surplus beyond capital, 



475 55 
115 CO 



590 55 
16,365 97 

1 40 

175 00 

1,603 60 

18,736 52 

100,000 00 

8,228 59 



Total liabilities including capital and surplus, $126,965 11 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 31,466 02 

Deduct re-insurance, rebate, abatements and return 

premiums. 608 98 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 
From all other sources, 



Actual cash income. 



30,857 04 


2,642 


23 


2,659 


70 


176 


15 


$36, ><35 


12 



V. EXPENDITURES DURING THE YEAR, 
Amount paid for losses, (including $318.61 occur- 

ing in previous years,) 5,178 30 

Deduct salvages, 321 62 



Net amount paid for losses, , 

Commissions or brokerage, 

Salaries and fees, 

Taxes, , 

All other payments and expenses,. 



Actual cash expenditures, , 



VI MISCELLANEOUS. 

Net amount risks in force, 4,476,791 00 

Premiums received since the organization of the Company, , 

Losses paid since the organization of the Company, 

Stock owned by directors at date, :. 



Business in Connecticut in 1877. 

Risks taken 

Premiums received on same, 

Losses paid, 



4,856 


68 


7,738 


22 


7,320 


24 


2,455 


85 


7,336 


30 


$29,707 


20 


Premiums. 


32,731 


94 


40,261 


28 


5,312 


94 


100,000 00 


36,ll6 


10 


81 


14 


8 


00 






METROPOLITAN PLATE QLA8d [N8URANCE COMPANY. 827 



METROPOLITAN PLATE GLASS ENSURANCE 
COMPANY, 

Nrv itt. 

Coiiunciu'cd Business, April 28, 1 V 7I. 

it. Thomas S. Thobp, fl 

,8] \n. ■)';.. Hartford. 



I. C 
Capital actually paid up in oaafa (100,000 I '» 

II. 

owned by tht Company. 

Par Valm-. Markel Value. 

U. S. Got. boi 1891 97,000 <»<> 100,576 66 100,576 66 

Oaah in Company's prinoipal office, 592 '. ,v ' 

lepoaited in bank, 

Interest due an I on stocks 

indue course of collection 

All other property belonging to the Company, 

Aasi ts of tin- Company at their actual value (121,33 

III. LlAHILiril 

Amount of onearned premiums, 25,783 96 



! stock 

Capital stock 100,<K 



8,152 


35 


6(3 


1.7 




15 


6,671 


25 



t its! 1125,818 1 1 

rmenl 4,47 

IV. INCOME DUBIN0 I 'HE \ BAB. 



Deduct r- - 

.li'iin- 8,2 i 7 15 





828 



METROPOLITAN PLATE GLASS INSURANCE COMPANY. 



From interest on loans and dividends on stocks and bonds, 
From all other sources 



Actual cash income, , 



; 3,477 11 
2.137 79 

$56,59(5 01 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $2,800.25 occur- 
ring in previous years), 20,638 79 

Deduce cash indemnity, 304 19 

Net amount paid for losses, 

Cash dividends 

Commissions or brokerage, 

Salaries and fees 



Actual cash expenditures, 



20,334 60 

7,500 00 

10,399 01 

13,114 68 

$■51,348 29 



VI. MISCELLANEOUS. 

Net amount of risks in force 1,620,014 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Cash dividends paid stockholders, 

Stock owned bv directors at date, 



Premiums. 
51,567 92 

186,420 00 
64.558 09 
22,000 00 
86,000 00 



Business in Connecticut in 1877. 

Risks taken, 

Premiums received on same, 

Losses paid, 



32,019 00 
960 57 
316 9->. 






FOREIGN 
FIRE INSURANCE COMPANIES. 



ABSTRACTS I OMPILED PROM THEIR ANNIAL STATE 

MENTS, SHOWING THEIR CONDITION ON Tin; 

31st DAY OF DECEMBER. 1877. 



13 



OREIGN COMPANIES. 



BRITISH AMERICA ASSURANCE COMPANY, 

TOM • -DA. 

Commenced Buainef 



CAPUA I. 
Paid ap Capital $518,062 70 

ASSETS. 

Loans oa bond and mortgage, :H.7I ( 4 7 

owned 118,446 78 

Stocks and bond^ 777,514 12 

in office and bank, 85,1! 

All other assets 91,780 52 

Total assets. $1,102,556 70 

LIUilLI I 

Unpaid losses 84,719 89 

Whole amount of unearned preminmf 886,401 •''>! 

All other liabilities 86,081 70 

• d liabilities 457,156 4:i 

pirnl stock 518,082 7o 

plttf beyond capital, 182,1 

tftl liabilities, including capita"! and surplus, $1,1< 

►ME. 

Pren:: b 

-t <»n bonds md mortg and 

div: .-. 1 bOflB all oth- : I - 75 



332 BRITISH AMERICA ASSURANCE COMPANY. 

EXPENDITURES. 

Paid for losses, 410,909 00 

Cash dividends, 50,091 04 

Commissions or brokerage, 121.05.5 55 

Salaries, fees, taxes &c, 43,445 32 

All other expenditures, 02,027 54 

Total expenditures, $094,789 05 

Premiums. 

Net amount of risks in force..; $52,880,905 00 595,829 42 



UNITED STATES BRANCH BRITISH AMERICA 
ASSURANCE COMPANY, 

Manager i?i the United States, Wm. A. Beattie, 8 Exchange St. Boston. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



IE. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks :' — 

United States Gov. bonds 375.000 00 430.00!) 00 

Deposit State of Mississppi,. ...... 15,000 00 15,000 0o 

Dominion Bonds • — 

Dominion Goverment bonds, ...... 51,500 00 52,530 00 

Bank Stocks : — 

Canadian Bank of Com nerce, 24,720 00 28,551 00 

Dominion Bank, 10,300 00 12,4(13 00 

Ontario Bank, 12,15* 00 11,850 15 

Federal Bank 4,326 00 4,390 89 

Canada Per. Loan & Sav. Co...... 10,300 00 17,81300 

Huron & Erie Sav. Loan Society, 25,750 0q 33,990 00 



Total, $529,050 00 $000,588 64 60^,588 64 

Cash in Company's principal office, 33,440 05 

Cash deposited in Bank, 33,654 91 

Interest accrued on Deposit State of Mississippi, 511 91 

Gross premiums ia due course of collection. 29,358 79 



BRITISH AMlKh'A ASSURANCE COMPANY. 

Kills reoerrable, taken for marine end Inland risks 800.00 

Furniture (8*010 <»•> 

Hills reoeivable, ovit due 1,690 '.»l 

94.700 00 



Assets of the Company at their actual value, | 



III. LIABILITIES. 

land unadjusted 50.671 26 

riated 1.900 00 



1 66,571 86 

Deduct re-inanranoa 800 <»<» 

Net amount of unpaid looooa, 55,271 26 

Unearned preminma on lire risks, oue year or less 170, 104 97 

Unearned premiums on risks more than one year, — 44,77(5 9!> 
Unearned premiums on inland navigation risks 1,441 20 

Amount of unearned premiums as computed above, 216,623 16 

All other demands against the Company 6,189 .''>."< 



Total liabilities except net torpids 278,088 74 

Surplus of aaaeta in the United States over liabilities, 425,770 56 



Total liabilities including surplus, $708,854 80 



IV. INCOME DURING THE YEAR. 

Hie. Inland. 

Fremiums received in cash. 498,270 85 17,580 27 

Deduct, re-insurance, rebate, abate- 
ments and return premiums 79,087 72 1,760 71 



tab preminma 419,282 68 15,819 58 485,052 16 

Prom interest on loans and dividends on stocks and bondfl 85,080 1 1 

• ■ $470,182 80 



v. EXPENDITURES DURING THE Yi:ak. 

Inland, 
•.eluding $80,* 
i ■••urring in pr. . .... 289,877 88 12,974 18 

I s . ■'. 16 Ml "I 

I unpaid | ,861 60 12, 129 1 1 

mm or brokerage, 90,475 70 

Paid or all 1,600 00 

1 1,682 16 

Alio* '. 62,4 

ash expenditure 



334 LA CAISSE GENERALE INSURANCE COMPANY. 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy, 29,098,139 00 340,809 95 

Having more than one and not more than three 

years to run from date of policy, 4,332,319 00 50,257 69 

Having more than three years to run from date of 

of policy, 1,173,023 00 18,724 00 

34.599,081 00 409,792 06 

Inland. Premiums. 

133,200 00 2,882 40 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 384,118 00 

Premiums recsived on same, 5,304 59 

Losses paid, 3,277 97 



LA CAISSE GENERALE INSURANCE COMPANY. 



Pabis, Fbance. 



CAPITAL. 
Paid up capital, $1,458,072 78 



ASSETS. 



Stocks and bonds, 

Cash in office and banks, 
All other assets, 



371,870 87 

56,226 16 

4,225,757 62 



Total Assets, $4,653,854 65 



LIABILITIES. 

Unpaid losses, 147,533 53 

"Whole amount of unearned premiums, '. 2,125,533 53 

Allother liabilities. 392,657 95 



Total liabilities, 2,665,725 01 

Capital stock, 1,458,072 78 

Surplus beyond capital,....! 530,056 86 

Total liabilities, including capital and surplus, $4,653,854 65 



LA CA18 RALE INSURANCE COMPANY. 

OME. 

premiums reoeiyed 166 B4 

st on bonds and moi I on loans and divi- 
dends on eto ks and bonds, and from all other souroes BIS 71 

Total inoome 9918, 164 



EXPENDITURES. 

raid for losses, 491,442 47 

19,786 84 

Commissions and broke rage 287,61 

Bslariee, f ees, 1 121,502 12 

Total expenditures 870,844 26 

Premiums. 

mount of risks in force 8,647,968,988 00 8,829,767 28 

1 sines ths Company organized B,678,670 17 

Stock owned by directors at date 17'.»,3(;8 42 



UNITED STATES BRANCB LACAISSE GENERALE. 

Attorney in >t. O. W. Pbxstoh, Hartford. 



II. ASSETS. 

i I}>,/i<I.i atoned by the Company. 

Par Value. Market Value. 
U. S. Stocks ■ — 

I'. B rag. 1867, 6's, 10 00 210,760 00 

" 18'Jl 4}'s, 60,00 61,760 00 

■• 10-4 '.♦,000 00 IB 00 



tsJ |869,000 <M) §272.176 (M) 272,176 no 

I with trustees 16,9 

GroK-^ of collection 

All other property belonging to the Company -'.'..- 

il their actual value $427,881 28 

in. liauilitii 

adjusted and unpaid 84,811 24 

reported and unadjusted, 18,8( 

resisted ... 10,69 



Net aiuount of unpaid losses .... r78 l. r > 



336 LA CAISSE GENERALK INSURANCE COMPANY. 

Unearned premiums on fire risks, one year or less,... 129,147 92 
Unearned premiums on risks more than one year, — 8,580 44 



Amount of unearned premiums as computed above, 137,728 36 

All other demands against the Company, 19,356 80 



Total liabilities, except surplus 205,861 31 

Surplus of assets in the United States over liabilities, 222,019 97 



Total liabilities, including surplus, ..,. $427,881 28 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 341,520 22 

Deduct re-insurance, rebate, abatements find return 

premiums, 40,842 65 



Actual cash premiums, 300,677 57 

From interest on loans and dividends on stocks and bonds, 8,928 37 

From all other sources, 23,285 89 



Actual cash income, $332,891 83 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $16,132 72 occurring in pre- 
vious years), 125,860 46 

Commissions or brokerage, 95.863 U8 

Actual cash expenditures, $221,723 54 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 19,151,017 00 258,295 84 

Having more than one and not more than three 

years to run from date of policy, 718.511 00 8.351 30 

Having more than three years to run from date of 

policy, 215.721 CO 3,086 23 



20,1 10.279 00 269,736 43 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 297,900 00 

Premiums received on same, 4,168 CO 

Losses paid, 2 38 



COMMERCIAL UNION ASSUKANOtf COMPANY, 



COMMERCIAL rNK>N ASSURANCE COMPANY 

1 ONIM '\. 1> ■ I \M>. 

Oommenoed Business, 1861. 



CAPITAL. 

. up capital $1,350,000 00 

ASS I 

Loans on bond and mortgage 927,296 <'■'.» 

Real estate owned 573,446 '■'•'.) 

ksandbondi 8,872,499 80 

Loans on collateral. 140,000 00 

All other loans 802,1)70 67 

and bank B88,85£ 

Premiums in ooozae of collection, 771,604 27 

All other ■roots L80.49G 02 

T 18,101,671 ()2 

LIABILITIES. 

Unpaid looses, 473,870 00 

Whole amount ol unearned premiums 1,528,987 81 

I fand nnder Life Department 2.042, loo 27 

All oth-r liabilities 17. '.On R7 

Total liabilities 4,692,948 Ifi 

Capital stock 1,260,000 00 

nd capital, 2,158,722 H7 

d liabilities, including capital and surplus, $8,101,671 o-_> 

INCOME. 

Cash premiams received 8,791,495 10 

:i bondl I ;md interest and dividends 

from stocks and bonds 185,7 

Department 

$4,568,151 ><> 



'JfiNDITUKES. 

Paid f. 2. 802,040 -7 

156,1 



338 COMMERCIAL UNION] ASSURANCE COMPANY. 

Commissions and Brokerage, -. 595,136 02 

Selaries, fees, taxes &c, 297,755 57 

Expenditures under Life Department, 296,425 49 

Total expenditures, $3,647,423 90 

Net amount of risks in force, (fire,) 587,654,615 00 

Premiums thereon, 2,504,705 00 

Net amount of risks in force, (marine,) 29,043,650 00 

Premiums thereon, 545,115 00 



UNITED STATES BRANCH COMMERCIAL UNION. 

Alfred Pell, Manager in the United States. 
Commenced Business in the U. S. January 20th, 1871. 
Attorney in Connecticut, S. Chapman, Je., Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value, 
U. S. Stocks : — 

U. S. registered 5's, 300,000 00 316.125 00 

4^'s, 625,000 00 647,656 25 

Total, $925,000 00 $963,78125 963,78125 

Cash in Company's principal office,... 92 17 

Cash deposited in Bank, 75,265 77 

Gross premiums in due course of collection, 92, 740 04 

Bills receivable, 1,3*>0 54 

All other property belonging to the Company, 26,294 79 



Assets of the Company at their actual value, $1,159,534 56 

III. LIABILITIES. 

Losses reported and unadjusted, 59,556 99 

Losses resisted, 30,052 92 



Total, 89,609 91 

Deduct re-insurance, 5,000 00 

Net amount of unpaid losses, 84,609 91 



LL UNION ASSURANCE v.r.wv 

rnad pranivmi LrorleM,... '• u.7i^ 18 

Unearned premiums <m riaki more th.ui ohm year 109,980 21 

• >imt of unearned premiums m 454,678 .".i 

28,94 

d nmbiliti mrptua 

in tlif I'm: DT6f 1 inl >il 1 1 i«>. 

v.l liabilities ineluding surplus $1,159,584 56 

iv. iv »Mi: DURING THE YEAR. 

Kire. Murine. 

vedincash 1,081,609 58 20,462 7'J 

inee, rebul .ents 
and return premium 148,047 62 2,0)2 94 



I reminnu 902,011 :."> 

Fron. . n loans and dividends on I bonds, 29,062 50 



Actual'cash income $981,074 25 



V. EXPENDITURES DURING THE SEAR. 

Fire. :ne. 

Amount paid fol I eluding | 

174.." occurring in previous years 1«J^,4'.'7 18 12,4 

Deduct salvage and re-insurance, 5,15! 



I amonnt paid for losses, 468,843 27 12,486 76 475,880 02 

Commissions or brokerage 196,209 '- ; I 

Salaries and fees. 80, 4< 

Taxes 19,684 97 

Ail other payments and expenses 84,904 88 

Actual cash expenditures, $766,981 C2 



VI. MISCELLANE 



Premiums. 



Risks in i ing not more than one year 

to run from date of policy 64,088,400 06 

Having more than one and not more than three 

years to run from date of policy. 12,186,814 00 124,186 99 

Having more than three year-, to run from dflfc 

policy, 7,761,760 00 



Pren. 6,461,284 00 

Lossee paid in the I" 

l. n 

15,24 i \- 

i it 



34.0 GUARDIAN FIRE AND LIFE ASSURANCE CO. 



GUARDIAN FIRE AND LIFE ASSURANCE COMPANY, 

London, England. 
Commenced Business, Dec. 17, 1821. 



CAPITAL. 
Paid up capita] $5,000,000 00 

ASSETS. 

Loans on bond and mortgage, 2,228,210 00 

Real estate owned, 159,825 00 

Stocks and bonds, 4,486,925 00 

All other loanR, 144,280 00 

Cash in office and bank, , 389.955 00 

All other assets, 181,525 00 

7,590,720 00 
Assets belonging to the Life Assurance Department, 7,362,890 00 

Total assets, $14,953,610 00 

LIABILITIES. 

Unpaid losses,., 162,850 00 

Total unearned premiums , 443,500 00 

Liabilities under Life Department, 7,362,890 00 

All other liabilities, 136,810 00 

Total liabilities, , 8,106,050 00 

Capital stock, ;. 5,000,000 00 

Surplus beyond capital, 1,847,560 00 

Total liabilities, including capital and surplus, $14,953,610 00 

INCOME. 

Cash premiums received, 1,046,300 00 

Interest on bonds and mortgages, and interest and dividends 

from stocks and bonds, and from all other sources, 300,950 00 

Premiums, &c, from Life Department, 902,975 00 

Total income, $2,250,225 00 



EXPENDITURES. 

Paid for losses, ... 526,050 00 

Cash dividends, 350,000 00 



,':iwv\ riRK ANH LI1 I 841 

.... 1 42.57ft 00 

190 00 

All Otl 

mder Life I 1,( 

- IS 00 



UNITED STATES BRANCH OF THE GUARDIAN, 

60 Wall St. X"\v York City 
the United States September L':.. 1872. 
Attorney in .'. \V. E. IUkki:, Hartford. 



II. ASS I 

- •/•.< and Bands owned by the Company. 

Par Value. Market Value. 
-TOCKs: — 

I". B s 1881, reg 460,000 00 475,812 50 

6'b, 1881, reg 100,000 00 108,625 00 

10-40*8, 1881, reg.,... 160,000 00 159,987 60 



Total $700,000 00 *741.S7f> •«> 741,875 00 

Cash in Company's principal office \ 4*004 no 

I 

ie and accrued 9,515 94 

Groes premiums iii due course of collection 20,681 08 



A.v- at their ictual value ."Stflb.14*: 04 

III. LIABILITE 

Net amount of 

ims on fire risks, one year or less.... 67,588 55 
Unearned premiums on rinks more than 1 



I premium r07 21 

Due and a 

theCompany, 5,22 

J li.duliti. 

k *<-s ov.-r li.il.ili'i.-s. 



342 GUARDIAN - FIRE AND LIFE ASSURANCE CO. 

IV. INCOME DURING THE YEAR. 

Premiums received in cash i 186,242 10 

Deduct re-insurance, rebate, abatements and return 

premiums, 16,598 54 

Actual cash premiums, 169,643 56 

From interest on loans and dividends, on stocks and bonds 32,534 77 



Actual cash income, $202,178 33 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $287.94 occurring in pre- 
vious years), 30,422 15 

Commissions or brokerage, 29,386 83 

Salaries and fees, 20,120 99 

Taxes, 4,792 99 

All other payments and expenses, 12,802 52 

Actual cash expenditures, $97,525 48 



VI. MISCELLANEOUS, 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 14,661,585 06 115,067 11 

Having more than one and not more than three 

years to run from date of policy, 1,948,392 48 15,055 54 

Having more than three years to run from date 

of policy, 1,704,433 33 17,321 31 



18,314,410 87 147,443 96 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 295,280 00 

Premiums received on same, 3,554 94 

Losses paid, 53 57 



9AMBUKG BREMEN 11 K K INSURANCE COMPANY. 



HAMBURG BREMEN FIRE INSURANCE COMPANY, 

II kMBUBO, <i: KM vny. 

355, 



CAPITAL. 

pital 1328,400 oo 



- on bond and mortgage, 115,552 !'i 

Stocks an-1 bonds 122 11 

dbana 119,791) 18 

ni bank at Bremen, end at different branches which have 

given security to the Company 117,552 88 

Premiums in course of collection, 189 B7 

All other assets 169,018 58 

Tot $1,84-5,280 41 



LIABELT] [E9. 

51,205 00 

preminma 829,184 51 

Allothex liabilities 848,580 86 



Total liabilities 728,! 

Capital stock 828,400 00 

Los beyond capital, 292,910 54 



including capital and surplus $1,845, 



INCOME. 

M 

gee, and interest and dividends on 

; n is 







PENDITUB 



344 HAMBURG-BREMEN FIRE INSURANCE COMPANY. 

Commissions and. brokerage ; 119 330 02 

Salaries, fees, taxes • &c, 66,212 39 

Total expenditures, 374,834 03 

Net amount of risks in force, ,.....,..,..,...." 69,089,652 00 

Premiums thereon, , 358,644 73 



UNITED STATES BRANCH OF THE HAMBURG-BREMEN, 

Resident Manager in the United States, Sophas Von Dorien, New York. 
Attorney in Connecticut. 0. M. Webster, Hartford. 



II. ASSETS. 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. bonds 1865, new reg. 6's,.-- 96.000 00 98,760 00 

1867, reg. 6's, 120,000 00 126,600 00 

1881, " 80,000 00 91,697 50 

10-40's, reg. 5's,..-.... 145,000 00 154,968 75 

1881, fund, 5's, 79,000 00 83,345 00 

1891, reg. 4£'s, 53,000 00 54,855 00 



Total, $579,000 00 $610,226 25 610,226 25 

Cash deposited in bank, 72,210 96 

Net premiums in due course of collection, 33,473 20 

Assets of the Company at their actual value, $715,910 41 



III. LIABILITIES. 

Net amount of unpaid losses, 24,540 00 

Unearned premiums on fire risks, one year or less,... 155,141 85 
Unearned premiums on risks more than one year, .. . 22,638 62 

Unearned premiums as computed above, 177,780 47 

Total liabilities, 202,3-20 47 

Surplus of assets in the United States over liabilities, 513,589 94 

Total liabilities, including surplus, $715,910 41 



HAMBURG-BRBMBN riRK INSURANCE COMPANY 84t) 

IV. [NOOME DURING THE STEAK. 

Premiums received in cash, 897,661 <;i 

Deduct iv-insuraiuv. rel 1 rot urn 

48,928 l<! 

Actual cash premiums :::.::, 7'j:; 15 

From interest on United Statea bonds 25,911 '.'<; 

Aotualcash income 1879,685 n 



V. EXPENDITURES DURIN I THE YEAR. 

Amount peid for losses, (inolading (19,189.88 ocenrring in pre- 

▼ions years 153,154 18 

Conn. 67,087 18 

iesandfeefl 15,684 ."..'; 

- :..:>4;; 7(» 

All other pa yments and expenses *jr>.*Jl !» 24 

Actual cash expenditures, (266,588 88 

VI. MISCELLANEOUS. 

Premium*. 

Risks in force having not more than one year 

to 'run from .late of policy 29,088,042 00 310,288 70 

ing more than one and no.t more than three 

-to run from date of policy 2,314, 7GP» 00 28,705 40 

Having more than three years to run from date 
of policy 829,250 00 12.062 4H 

82,245,055 00 861,051 58 



Butinest in Connecticut in 1S77. 

Firs risks taken 244,815 00 

Premiums received on same 2.7"«1 .".7 

- paid 4,610 ' B 

44 



846 IMPERIAL FIKK INSURANCE COMPANY. 



IMPERIAL FIRE INSURANCE COMPANY, 

London, England, 
Commenced Business. 1803. 



CAPITAL. 

Paid up capital, $3,500,000 00 

ASSETS. 

Real estate owned, 838,377 70 

Loans on bond and mortgage, 1587*50 00 

Stocks and bonds, 5,871,405 74 

Cash in office and bank, 142,803 24 

Premiums in course of collection 074,387 25 

All other assets, 84,666 82 

Total assets, $7,770,000 75 

LIABILITIES. 

Unpaid losses, 091,910 00 

Total unearned premiums, 913,200 00 

All other liabilities, 163,881 33 

Total liabilities, 1,708,991 33 

Capital stock, 3,500,000 00 

Surplus beyond capital, 2,501,099 42 

Total liabilities, includiug capital and surplus, $7,770,090 75 



INCOME. 

Cash premiums received, 2,767.282 63 

Interest on bonds and mortgages, and interest and dividends 

from stocks and bonds, and from all other sources, 244,695 72 



Total income, $3,011,978 3 



EXPENDITURES. 

Paid for losses, 1,371,443 65 

Cash dividends, 360,000 00 

Commissions and brokerage, 509,051 64 

Salaries, fees, taxes, &c, 144,589 78 

All other expenditures, 191,639 68 

. Total expenditures 2,576,724 75 

Net amount of risks in force, 473,997,950 00 

Premiums thereon, 1,378,347 63 



[MPKR1 VI. :iki: INSUH INCK COMP IN* 



I'MTKI) STATES BKANCtl OF THE IMPERIAL 

. B I IBS I ». Ai l«;: u. N.'w V(»rk. 

'. c. 0, Kimi'u.i,. Hartford. 



II. asskts. 

' ompany. 

Par Vain.'. tfarket Value. 

r. s. and State Stocks : — 

U. 8. 10-40'a reg., 1861 812,800 00 226,099 50 

•• 5's, funded loan. 1881, reg., 10,000 00 10,562 50 

•* 10-40*8 reg., 1 861 120,000 00 127,800 00 

•• 5-20'sreg.. 1868, 7,000 00 7,472 60 

50,000 00 53,875 00 

I loan, 1881, reg., 25,000 00 26,406 25 

- reg., is.;: 48,000 00 45,297 50 

1869 67,000 00 -17 50 

• 10-40'a* 4 1864 88,000 00 40,470 00 

•• -Vs. funded loan, 1881, reg., 175,000 00 184,843 75 

Virginia 8tat* Bonds and Certs.... 86,000 00 26,400 00 

Alafa *• 1O.000 00 4,(i(M) 00 

Tennessee " 2(1.01)0 00 t;.77."> 00 

;;h Carolina " 20,000 00 8,000 00 



Total, $873,800 00 1828,349 60 828,349 50 

in Company's principal office 1(10 J8 

ritedin bank, 19,886 10 

premiums in doe course of collection,. 7,427 94 



>f the Company at their actual value, $855,823 72 



III. LIABUJTD - 

Losses reported and unadjusted. 7,". f 50 80 



\- • nmoanfl of unpaid losses 090 66 

,784 17 
oinms <m rii 76,955 4 1 



»f unearned premrun 220,' 

All otJ 1,742 16 

260, 

Surplus a the Unitl ver liabilities 



Total liability, including mrplui 



848 IMPERIAL FIRE INSURANCE COMPANY. 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, 391,057 37 

Deduct re-insurance, rebate, abatements and return 
premiums, 63,803 96 



Actual cash premiums, 327,253 41 

From interest on loans and dividends on stocks and bonds, 36,498 05 

Actual cash income, $363,751 46 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $25,711.09 occur- 
ring in previous years), 202,465 65 

Deduct salvage and re-insurance, 110 00 



Net amount paid for losses, 202,355 65 

Commissions or brokerage, 49,337 44 

Salaries and fees, 24,668 72 

Taxes 15,417 31 



Actual cash expenditures . $291, 779 12 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 23,627,125 00 287,568 34 

Having more than one and not more than three 

years to run from date of policy, 3,963,956 00 43,369 38 

Having more than three years to run from date of 

policy, 4,365,267 00 59,237 83 



31,956,348 00 390,175 55 

Premiums received in the United States 6,651,695 00 

Losses paid in the United States, ... 4,673,557 51 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 478,137 51 

Premiums received on same, 6,393 70 

Losses paid, ■.-,... 9,223 79 



LANCASHIRE [N8URANCK COMPANY 



LANCASHIRE INSURANCE COMPANY, 

lLoi Bholahd. 

Commenced Business, June. 1862. 



CAPITAL. 

Paid up capital - 00 

SETS. 

Loans on bond and mortgage (1,535,198 



I bonds 1,710,722 50 

Loans on collateral. • > 00 

All other loans 

::oe and banks 

Premiums in course of collection, 

All other assets _.;i 42 



Total assets 

LIABILITIES. 

242, 1 :,C t 1 6 

Whole amount of unearned premiums 496 85 

Re-insurance under Life Dep:* rtment, ] . - . 

Interest due and remaining unpaid 



Total liabilities i 

"c i. 

Sorplos d, 



I surplus 1 

INOO 



Interest on bonds an I on loans and divi- 
deuds on stocks and bond- 



Total in 

for Umbos, 



. 
Salar:- 

- 



350 LANCASHIRE INSURANCE COMPANY. 



UNITED STATES BRANCH OF THE LANCASHIRE, 

Resident Manager in the United States, Henry Robertson, N.Y. City. 
Attorney in Connecticut, W. E. Baker, Hartford. 



It. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. bonds, 5-20's. 1867, 200,000 00 210,750 00 

Funded loan, 1881,. 450,000 00 473,625 00 

H's, loan, "... 25.000 00 25,843 75 



Total, $675,000 00 $710,218 75 710,218 75 

Cash deposited in bank, 14,601 35 

Net premiums in due coarse of collection, 18,906 92 



Assets of the Company at their actual value, $743,727 02 

III. LIABILITIES. 

Losses adjusted and unpaid, 15,014 85 

Losses reported and unadjusted. * 21,605 90 

Losses resisted, 9,000 00 

Net amount of unpaid losses, 45,080 75 

Unearned premiums on fire risks, one year or less,... 209.910 60 
Uneai-ned premiums on risks more than one year, .... 61,055 79 



Amount of unearned premiums as computed above, 270,066 39 

All other demands against the Company, 1,500 00 



Total liabilities, 318.147 14 

Surplus of assets in the United States over liabilities, 425,579 88 

Total liabilities including surplus $743,727 02 

IV. INCOME DURING THE YEAR. 

Premiums received in cash 581,368 86 

Deduct re-insurance, rebate, abatements and return 

premiums, 103,185 CO 

Actual cash premiums, 481,1*83 2(> 

From interest on loans and dividends on stocks and bond*, 5,265 60 



Actual cash income #186,418 SO 



LANCASHIRE INSURANCE COMPANY. 

v EXPEND] H7RES DUBING I HE JTEAB 

mount paid for Iomoi 

> •»*. 11 

Salaries «inl fees .! BO 

, II." 

antual oaah expenditure!, 1484,880 78 

vi lilS ] ; LANEOU8. 

Premiums, 
in fore* baying not more than one year to 

rui ■■■••f policy, 89,900 171 00 119,821 21 

Baying more than one and not more than three 

re to run from liey 8.005,455 IX) 85,4 

re than t). to run from date of 

1,028.834 00 50,412 02 

49.934,203 00 541,(581 

Premium!) 2,908.009 no 

I. » - i Jd in the United States, 1,512,080 00 

Btuine$sin Oonneotieui in i v 77. 

Fire neks taken, [no inland, i 745,037 50 

ii same 11,817 98 

a paid 7,17 



352 LIV. AND LON. AND GLOBE INSURANCE CO. 



LIVERPOOL AND LONDON AND GLOBE INSURANCE 

COMPANY, 

Liverpool, England. 

Commenced Business, June, 1836. 



CAPITAL. 
Paid up capital, .' $1,228,200 00 



ASSETS. 

Real estate owned, 2,650,555 19 

Loans on bond and mortgage, 6,919,423 02 

Stocks and bonds 13,249,560 91 

All other loans. 932,347 90 

Cash on deposit, 1,004,512 06 

Cash deposited in bank, 853.242 00 

Interest due and accrued on mortgages, stocks, &c, 163,399 27 

Premiums in course of collection 799,993 54 

Annuities, Life and Reversionary interests purchased by the Co. 1,085,763 10 

All other assets, 61,343 17 

Total assets, $27,720,140 16 



LIABILITIES. 

Unpaid losses, 325,100 00 

Total unearned premiums, 1,649,594 31 

Amount reclaimable by the insured on perpetual policies, 296,568 17 

Liabilities under Life Department, 13,690,356 50 

All other liabilities .' 6,093,861 14 

Total liabilities, 22,055,480 12 

Capital stock, 1,228,200 00 

Surplus beyond capital, 4,436,460 04 

Total liabilities, including capital and surplus, $27,720,140 16 



INCOME. 

Cash premiums received 4,948,782 98 

From ^interest on bonds and mortgages, and interest and divi- 
dends from stocks and bonds, 556,960 00 

Total income, $5,505,742 98 



I. IV. v\ D ! 'N w D QU R Mi'AN V 

for kMMtt, 

w;<> 00 

i. :;■■'•'•. 197 2 "> 



§4,114,848 17 

1,418,481,788 <><> 

1,884. I 



rNiTKD STATES BRANCH OF THE LIVERPOOL AND 
LONDON AND GLOBE. 

Cornmen the United States, ! 

Bmid :er. Jambs K. PuUTOBD, 4.~> William Street, New York. 

' J. (j. Xoi.Tn. New Haven. 



II. ASSETS. 

Ileal estite o-.vne 1 l>v the Company unencumbered, *.>:;.", <>'. 

Loans on and bond uion not more than one 

• <lne 924,719 M:> 

'uric, i hy the Company. 

' Value. Market Value. 

9 and State Stocks : — 

r 8 

00 511,4 ' 

■ : so 

" 

1 

4J 

4 P 00 101, 

8o 

' I 



•1,605, 



34,120 06 



354 LIV. AND LON. AND GLOBE INSURANCE COMPANY. 

Cash in Company's principal office, 9,495 82 

Cash deposited iu Bank, 354,934 78 

Interest due and accrued on stocks, ) 

Interest due and accrued on collateral loans, ) 

Net premiums in due course of collection, 278,819 59 

Bills receivable, 72,482 54 

Rents due and accrued, 2,037 73 

All other property belonging to the Company, 2,703 65 

Assets of the Company at their actual value, $3,959,901 00 



III. LIABILITIES. 

Losses adjusted and unpaid, 9,443 50 

Losses reported and unadjusted, 147,251 39 

Losses resisted, 46,767 13 



Total, 203,462 02 

Deduct re-insurance and salvage, 250 00 

Net amount of unpaid losses 203,212 02 

Unearned premiums on tire risks one year or less, 982,810 30 

Unearned nremiums on risks more than one year, 561,175 35 



Amount of unearned premiums as computed above, 1,543,985 65 

Amount reclaimable by the insured on perpetual fire policies, 280,699 41 

Re-insurance fund under Life Department, 105,658 70 

All other demands against the Company, 58,213 71 



Total liabilities, 2,191,769 49 

Surplus of assets in the United States over liabilities, 1,768,131 51 

Total liabilities, including surplus, $3,959,901 00 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, 2,938,088 89 

Deduct re insurance, rebate, abatements and return 

premiums, 384,379 27 

Actual cash premiums, 2,553,709 62 

From interest on bonds and mortgages, 53,940 52 

From interest on loans and dividends on stocks and bonds 61,254 75 

From all other sources, 44,154 43 

Deposit prems. (less 5 p. c.) from perpetual risks,.. $16,519 81 

Actual cash income, $2,713,059 32 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $90,238.75 occur- 
ring in previous years), 963,060 37 

Deduct salvages and re-insurance, .8,593 47 

Net amount paid for losses, 954,466 90 



l.IV. AM> LON. AM) OLOBK INSURANCE COMPANY. 

154,1 

. . 50,216 -r.> 

All other p i\ n, .... 1 12,( 

20,2' 

sit premium reoeiTed for perpetual Are rinks, | • 91 

$1,608,916 7'.» 



VI. M; S. 

Premiums. 
t.. 

runt' . v I7fl,615,0!l0 00 1,943,602) 58 

' inoii- than tli I 

b to ran from date of policy 14,865,29-1 00 .">;;:», .".14 80 

to inn from date 

ol poll y. 28,964,529 ' 1,825 68 

in force 7,615,352 00 22,017 02 

258,061,1 .". I 2,91 1,260 68 

Premioma received in the United States 88,516,101 84 

. 1 in the United States 22,910,649 64 



! in 1877, 

l 2,251,74 

Premiums received on same L'C.'.iO!) G3 

lid 1 5,051 CO 



356 LONDON ASSURANCE CORPORATION. 



LONDON ASSURANCE CORPORATION, 



London, England. 
Commenced Business, 1 720. 



CAPITAL 

Paid up Capital, $2,241,375 00 

ASSETS. 

Loans on bond and mortgage, 9,872,715 00 

Stocks and bonds, 4,220,055 00 

Loans secured, 470,990 00 

Cash in office and bank, 212,270 00 

All other assets, 370,005 00 

Total assets, -. $15,146,095 00 

LIABILITIES. 

Unpaid losses, 438,645 00 

"Whole amount of unearned premiums, 769,430 00 

Re-insurance fund under Life Department, 8,340,400 00 

All other liabilities. 28,870 00 

Total liabilities, 9,577,345 00 

Surplus as regards policyholders, 5,568,750 00 

Total liabilities, including surplus, $15,146,095 00 

INCOME. 

Cash premiums received, 1,501,180 00 

Interest on bonds and mortgages, and interest on loans and divi- 
dends on stocks and bonds, 635,410 00 

From all other sources 826,705 00 

Total income, $2,963,295 00 



EXPENDITURES. 

Paid for losses, , 768,710 00 

Cash dividends, 537,930 00 

Commissions and brokerage, 196,300 00 

Salaries, fees, taxes, &c, 196,120 00 

All other expenditures, 1,204,595 00 

Total expenditures, 2,903,655 00 

Net amount of risks in force, 293,709,350 00 

Premiums thereon, 1,121,200 00 






SCI CORPORATION, 367 



UNITED ST VlT.s BRANCH LONDON ASSURANCE. 

m; A II '.ty. 

• 1 Bneineai in the United States, July, I 

1 ■ Baron. 



H. A.3SETS. 
bond and mortgage (first liena), more than one year's 

inf M SI 

t and B \» owned by tat Company. 

Pei Value. Market Value. 

\s: — 

T 525,000 00 854,906 25 854,906 25 

principal offioe, 1,81 

in bank 78.894 60 

reminma in duo course of collection 18,422 01 

Aaaets of the Company at their actual value (950,656 15 

III. LIABILITi; 

imount of unpaid losses 15,1 l 

Unearned premiums on fire risks, one year or less,... 142,602 02 
Unearned premiums on risks more than one year, — 99,193 86 



Amount of unearned premiums as computed above, 241,796 38 

Total liabilities, except surplus 

Surplus of assets in the United States over liabilities, 693,860 77 



Total liabilities, including surplus, $950,666 16 

IV. INCOME DURING THE Vi'.vi:. 

161,818 19 

trance, rebate,abatementa end return 
premium 7M1*- 10 

Aetna] each premiutna 

:. loan- anddii I 



income, .. 



amount paid f 



358 LONDON ASSURANCE CORPORATION. - 

Commissions or brokerage, 52,563 00 

Salaries and fees, : 25,920 13 

Taxes, 18,096 28 

All other payments and expenses, 43,531 32 

Interest remitted home office, 10,673 14. 

Actual cash expenditures, $325 808 93 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 38,216,970 00 330.507 14 

Having more than one and not more than three 

years to run from date of policy, 7.953,665 00 90,500 81 

Having more than three years to run from date of 

policy, 3,844,474 00 46,381 03 

50,015,109 00 467,388 98 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 764,542 00 

Premiums received on same, 8,110 49 

Losses paid, 255 88 



'!■::;<• \\ i ii. k I'Ikk [N8UH 



NORTH BRrnSIl AND MERCANTILE FIRE [NS1 I. 

li'AXV. 

ind, and Bdzmbubob, Scotland. 
Oommeneed Busin< am, I - 



0AP1 r.VL. 

up capital $1,8* 

ASSETS. 

1,458.541 64 

l,8£ 

Stoc> 8,1 

Loan- I ."..."'.1L' '.»"» 

ink 51,241 M 

from branches and agencies and foreign bankers, 1,629, 169 66 

oiums in course of collection 858,871 7:' 

All other i 109,59188 



18.500,185 10 

LIABILITIES. 

459,482 28 

Unearned premiums. 1,560,117 

All other liabilities .' > 75 



2,517,! 

k 1 

Surplus beyond capital 4,618,1 



Total liabilities, including capital and surplus ". io 

INCOME. 

Premiums received in cash I 

.Is and i; in loans, and 
div U. an 1 from all other sources, ,584 11 



- 

ENDITUB 



Cash 518.181 81 



aii oil n 05 



Total expenditure . . §■;, 



!60 NO. BBITISH AND MERCANTILE FIRE 1NSUKANCE CO. 



UNITED STATES BRANCH NORTH BRITISH AND 
MERCANTILE. 

Managers in the United States, Chas. E. White and Sam. P. Blagden, 
54 William Street, N. Y. 

Commenced Business in the United States, December, 1866. 

Attorney in Connecticut, J. W. Smith, Waterbury. 



II. .ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. G's registered, 1881 50,000 00 53, 250 00 

" 5's '' " 112,000 00 117,880 00 

" 5-20's " 1867, 20,000 00 21,050 00 

" 4^'s " 1891, 836,000 00 865.260 00 

" Currency 6's, registered,.... 310,000 00 368,900 00 

Illinois 6's, coupon, 17,000 00 17,170 00 

Alabama 8's, " 10,000 00 4,000 00 

Virginia 6's, reg., (consols), 37,300 00 24,618 00 

" def. certificates, reg., 18,700 00 935 00 

South Carolina 6's, funded, coup. 11.500 00 4,600 00 

Tennessee 6*8, " " 26,000 00 8,840 00 
Municipal Bonds : — 

N. Y. City and County 7's, reg.,.. 49,000 00 53.900 00 

Total, $1,497,500 00 $1,540,403 00 1,540,403 00 

Cash in Company's principal office, 220 39 

Cash deposited in Bank, 116,873 60 

Net premiums in due course of collection, 51,785 30 

Bills receivable 1,682 00 



Assets of the Company at theii actual value, $1,710,964 29 

III. LIABILITIES. 

Losses adjusted and unpaid, 15,811 16 

Losses reported and unadjusted, 21,993 45 

Losses resisted, 25,435 76 

Net amount of unpaid losses, 63,240 37 

Unearned premiums on fire risks, one year or less 508,232 00 

Unearned premiums on risks more than one year, .... 191.086 17 

Amount of unearned premiums as computed alcove, 702,318 17 



\->. BRITISH AM' MERCANTILE FIRE IN8URAN01 861 

I liabilities exoepl not surplus 

Surplus of assets in the United B t liabilities 1)45,406 ::. 

J liabilitief Lnolnding surplus, $1,710,9< 



iv. [NOOHE DUBIN I THE ZEAR. 

Preminma In oaab 1,886,228 n> 

I .-. abatements rod return 

146,446 

remiuma !,289,776 80 

Prom intereet on loans and dividends on stocks and bonds 79,081 46 

8,200 48 

Aotual oaah income $1,822,068 48 

v. EXPENDITURES DURING THE YKAK. 

Amonnl paid for losses, (including $64,886.84 ooonrringin pre- 

vio 628,076 21 

ins or brokerage 167,418 84 

- 80,598 90 

29,799 61 

All other p ind expenses. 80,01)9 25 

Remitted to parent offioe, London, .'{08,(517 G8 



Actual cash expenditures $981,581 71 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run from date of policy 88,009,030 00 1,016,404 00 

Having more than one and not more than three 

to run from date of policy, 22,014,770 00 254,817 56 

ig more than three years to run from date of 

Of policy, 9,274,717 00 109,378 57 

119,898,628 00 1,380,660 13 

Premiums received in the United States 18,064,881 54 

Losses paid in the United States, 9,173,230 37 

in Connecticut in 1877. 

Fir* rMcs taken, 'no inland' 8,228,666 00 

Premium^ >n same, B8,168 89 

Lossss paid, 14,620 17 






362 NORTHERN ASSURANCE COMPANY. 



NORTHERN ASSURANCE COMPANY, 

London, England. 
Commenced Business, June, 1 836. 



CAPITAL. 
Paid up capital, $750,000 00 

ASSETS. 

Loans on bond and mortgage, 2,455,062 25 

Eeal estate owned, 288,239 95 

Stocks and bonds, 4,963,143 60 

All other loans, 2,129,195 18 

Cash in office and bank, 358,276 66 

Premiums in course of collection, 58,220 21 

All other assets, 723,458 59 

Total assets, $10,975,596 44 

LIABILITIES. 

Unpaid losses, 297.808 12 

Unearned premiums, 672,629 52 

Liabilities under Life Department, 6,219,076 33 

All other liabilities, 217,298 89 

Total liabilities 7,406,812 86 

Capital stock, 750,000 00 

Surplus beyond capital, 2,818,783 58 

Total liabilities, including capital and surplus, $10,975,596 44 



INCOME. 

Cash premiums received, 2,759,020 50 

Interest on bonds and mortgages, and interest and dividends on 

stocks and bonds, 474,820 27 

From all other sources , 32,489 96 

Total income, $3,266,330 73 



EXPENDITURES. 

Paid for losses, , 1,405,161 37 

Cash dividends , 225,000 00 






RTHKRN ASSURANCE 0OMPAN1 

ad brokerage, 801,442 48 



All other expenditures, 117.1 

Total expend 2. 899, 1 41 06 

187,962,000 00 

iunis thereoD 1,845,259 06 



UNITED STATES BRANCH NORTHERN ASSURANCE. 

'.'. Allxgeb, :;;'. Pine St.. New York. 
Commenced Busis 
Attorney in I ■'. OablobO. Kimball, Hartford. 



II. ASS] 

owned by the Company. 

Value. Market Vulue. 
Stocks : — 

V. s. reg., 1865 155,( 159,262 SO 

■■ :,'s. funded loan, 1881, reg. 54,000 00 102 50 

M 10-40'a, reg., 1864 25,000 00 26,625 00 

a, funded loan, 1881, reg., 75,0 79,081 25 

M 10-40'a, reg.. 1864 85,000 00 87,275 <"> 

B. funded : . reg., 16,000 00 15,806 25 

•• 4;,'-. funded loan, 1891, reg., 25,000 00 375 00 

•• ... l881j 81,000 00 

11 U's '" " 1891, •• 1 00 61,0 



Total, $524,000 00 9647,196 25 647,191 

principal office 160 19 

Cash deposited in hank —1; 10 

1 premiums in d of collection. 7.: 



it their icttial Talne $574,670 i~ 

III. LIABILITD 

LoSSe i 

1 1,064 

* unpaid loaeai 

Unearned premiums on firt ce year or less,... 148,784 17 

I ! 1 
irued premium* as 



364 NORTHERN ASSURANCE COMPANY. 

All other demands against the Company,^.. 1,742 15 



Total liabilities, except net surplus, 203,115 09 

Surplus of assets in the United States. over liabilities, 371,555 38 

Total liabilities including surplus, $574,670 47 



IV. INCOME DURING THE YEAR. 

Premiums received in cash,... 300,978 19 

Deduct re-insurance, rebate, abatements and return 

premiums,.... 63,004 37 



Actual cash premiums, 327,973 82 

From interest on loans and dividends on stocks and bonds, 27,307 86 



Actual cash income, $355,281 68 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses (including $2,764.72 occur- 
ring in previous years), 172,396 44 

Deduct salvages, . 110 00 



Net amount paid for losses, 172,286 44 

Commissions or brokerage, 49,196 07 

Salaries and fees, 24,598 03 

Taxes, '. 13,726 32 



Actual cash expenditures, $259,806 86 



VI. MISCELLANEOUS, 



Premiums. 



Risks in force having not more than one year to 

run from date of policy, 23,627,125 00 287,568 34 

Having more than one and not more than three 

years to run from date of policy, 2,876,862 00 31,513 86 

Having more than three years to run from date 

of policy, 1,726,118 00 20,756 95 



28,230,105 00 339,839 15 

Premiums received in the United States, 752,298 27 

Losses paid in the United States, 246,236 55 

Business in Connecticut in 1877. 

Fire risks taken, (no inland), 478,137 51 

Premiums received on same, 6,393 70 

Losses paid, ,..<: 9*223 79 



QUXBN IN81 HANOI COMPANY, 



QUEEN INSURANCE COMPANY, 
Oommonoed Business, August 17, 1868. 



CAPITAL. 

up capital 1900,175 00 

ASS I 

- 00 bond and mortgage ".10 00 

ned ii.") 00 

Stocks tad bonds 2,208,891 00 

Loans on collateral, :'.:!,:»00 00 

All other loans 139,431 00 

in office and bimk, 201,185 00 

All other assets, 282.428 00 

Total assets, $4,288,860 00 

LIABILITIES. 

Unpaid looses, 232,4.">»; 00 

W hole amount of unearned premiums, 403,815 00 

^--insurance fund under Life Department, 1,872,511 00 

All other liabilities, lll,i»83 00 



Total liabilities, 2,120,765 00 

Capitalstock 900,175 00 

Surplus beyond capital, 1,167,420 <>o 



Total liabilities, including capital and surplus, $4,188,860 00 

INCOME. 

Cash premiums received 2,019,075 00 

Interest on bonds and mortgages, and interest on loans and 

dividends on ttoekfl and bondfl and from all other sources ] 2 7, ur.r, oo 

UJ income ,. on 

ENDITUBE8 

1 tor losses, 1,13 



1 1 jkerage. . 
: es, taxe* I 

■••••• : 



366 QUEEN INSUKANCE COMPANY. 

Premiums. 

Net amount of risks in force, 218,408,600 00 807.630 00 

Premiums received since the organization of the Company, 14,380,070 00 

Losses paid since the Company organized, 9,194,985 00 

Cash dividends paid stockholders, 1,024,620 00 

Stock owned by directors, 121,145 00 



UNITED STATES BRANCH OF THE QUEEN, 

Manager in the United States. W. H. Ross, New York. 

Commenced Business in the U. S. May, 1866. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



II. ASSETS. 
Real estate owned by the Company unencumbered, $214,517 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6 per cent. 1881,... 720,006 00 770,400 00 

10-40's, 325,000 00 346,125 00 

Alabama certificates 5's, 10,000 00 4,000 00 



Total, $1,055,000 00 $1,120,525 00 1,120,525 00 

Cash deposited in Bank, 151,543 09 

Net premiums in due course of collection, 20,582 94 

Assets of the Company at their actual value, $1,507,168 03 



III. LIABILITIES. 

reported and unadjusted, 71,868 49 

Losses resisted, 15,353 57 



Total, 87,222 06 

Deduct re-insurance, , 1,666 67 

Net amount of unpaid losses, 85,555 39 

Unearned premiums on fire risks, one year or less,... 319,423 17 
Unearned premiums on risks more than one year,.... 1 19,791 04 

Amount of unearned premiums as computed above 439, 214 21 



COMPAN \ . 

d f..r rani i.»; 





I tiabiliti< 

• \ cr lialulitiea - Bfl 12 



trphu $1,607,11 

IV. [N0OME DURING THE XEAB. 

h ■ 92 

I return 
praminmi '.»:.. :••;: 

Actual cash pi 901,672 »;" 

■Is .: I i 82 



Actual cash incoi $9G2,01(i 92 



V.- EXPENDITURES DURIN FEAB. 

iur- 

ririL 474,707 32 

Dedu 8,814 

.unount paid for losses 471. 

128,905 <;*> 

Salari 41,2 

21,446 95 

Alio; nd expenses. K) 52 

i .i 1 c ash e x pe n d i t u r e s 



VI. MISCELLAN1 



Prpiniums. 



in force having not more than one year 

ran from date of poli y 

re than one and not more th;m three 

run from date of policy B,6 105,870 , -' , - > 

Having more than tl. . from date of 
policy. 



"7 no 

-Mte->... 

• s paid in I 

1,< | 

Bui 

:;. i 

I 



368 KOYAL INSURANCE COMPANY. 



ROYAL INSURANCE COMPANY, 

Liverpool, England. 
Commenced Business, June 13, 1845. 



CAPITAL. 

Paid up capital $1,447,725 00 

ASSETS. 

Loans on bond and mortgage, 2,603,050 63 

Real estate owned, , 1,050,816 63 

Stocks and bonds 8,002,956 11 

Loans on collateral, 4,999,198 30 

All other loans, 489,575 04 

Cash in office and bank, 725,954 56 

All other assets, 578.479 48 

Total assets, $18,450,030 75 

LIABILITIES. 

Unpaid losses, 236,950 35 

Total unearned premiums 1,750,976 14 

Amount reclaimable on perpetual fire policies,.... 17,380 18 

Re-insurance fund under Life Department, 10,061,250 00 

All other "liabilities, 198,131 03 

Total liabilities, 12,264,687 70 

Capital stock, , 1,447,725 00 

Surplus beyond capital, 4,737,618 05 

Total liabilities, including capital and surplus, $18,450,030 75 

INCOME. 

Cash premiums received, 3,612,289 69 

Interest on bonds and mortgages, and interest on loans and divi- 
dends on stocks and bonds, and from all other sources, 320,337 92 

Total income, $3,932,627 61 



EXPENDITURES. 

Paid for losses, 1,969,240 88 

Cash dividends, 361,931 25 

Commissions and brokerage, 451,293 66 



YAL IN81 K A -'.i'VN^. 





»61 -?4 

MM. 

; i do 4,1 
d, 82,105,118 15 

4. 7 

owned by directori al date 177,900 oo 



rxiTKI) STATES BRANCH OF THE ROYAL, 

vger in tk< Un . Josh H. McLakln. 

AUomqf ii nt, B. EL Allen, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 
r. s. Btookb — 

r. S. n . 185,000 on 196,793 7."» 

percent., 1,425,4 1,702,007 50 

6 per oent 1881 10 . 106,500 oo 

100,00 > (i > 106,685 oo 

55.000 oo 2 .".o 



- . - 

Cash . ipej office 418 OG 

:i beak 878,001 80 

45,915 oo 

m 163,040 06 

1 i.: 

All o*. 4,98 

8,1 

Amount d< 1 1-1 !'•' 



AwUofth J at ikeir uclual value, >- 



370 ROYAL INSURANCE COMPANY. 

III. LIABILITIES. 

Losses adjusted and unpaid, 27,980 86 

Losses reported and unadjusted, 58,406 09 

Losses resisted, 25,360 42 

Net amount of unpaid losses, 111,747 37 

Unearned premiums onjfire risks, one year or less,... 680,758 54 
Unearned premiums on risks more than one year, ... 492,404 88 



Unearned premiums as computed above, 1,173,163 42 

Amount reclaimable by the insured on perpetual fire policies, 17,Ki4 18 

Re-insurance fund under life department, 119,550 00 

Due and accrued for salaries, rent &c, 1,360 93 

All other demands against the Company, 41,099 80 

Total liabilities, 1,464,085 70 

Surplus of assets in the United States over liabilities, 1,217,807 29 



Total liabilities, including surplus, $2,681,892 99 



IV. INCOME DURING THE YE Alt. 

Premiums received in cash, 1,892,168 1 1 

Deduct re-insurance, rebate, abatements and return 

premiums, 222,895 95 



Actual cash premiums, 1,669,272 16 

From interest on bonds, 101,607 76 

From all other sources, 551 57 

Deposit prems. (less 5 p. c.) received from perp't risks,. .$1,642. 75 

Actual cash income, $1,771,431 49 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $156,482.53 occur- 
ring in previous years), 767,211 14 

Deduct salvage and re-insurance, 39,507 84 

Net amount paid for losses, 727,703 30 

Commissions or brokerage 307,115 57 

Salaries and fees, 102,279 19 

Taxes, 39,305 28 

All other payments and expeuses, 61,656 35 

Actual cash expenditures, $1,238,059 69 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year 

to run from date of policy 114,878,362 18 1,361,517 08 

Having more than one and not more than three 

years to run from date of policy 31,786,813 45 361,409 26 



ROYAL CANADIAN INSURANCE UOMPANY. 

• :v than t!. to run from ) 

j 86,102,2*7 12 

•ml risks in foroa and interest prem 

188,767,482 77. 2,260,719 14 



' ■■ I -77. 

lire risks taken 1,468,692 20 

Premiuma ns*m« 20,9 

Losses peid 6,986 77 



ROYAL CANADIAN [NSURANCE COMPANY, 

... Canada. 
Commenced Business, August 115, 1873. 



CAPITAL. 
Paid up capita! $800,000 00 

ASSETS. 

Loans on bond and mortgage 46,500 oo 

Stocks and bond-. 672,26 

Loans on L\*i7!> 68 

. in office and bank, 82,1* 

All other assets, l!».->,4<;t; l:; 

$947,996 12 

LiABiLrnEa 

4 "7 

Total nnearned premiums 410,186 26 

All other liabilr 7. 28 

1 60 

Ciu 

1 i :. 

hiding au 



372 ROYAL CANADIAN INSURANCE COMPANY. 

INCOME. 

Cash premiums received 801,317 19 

Interest cm bonds and mortgages, and interest on loans and divi- 
dends on stocks and bonds, and from all other sources, 37,875 86 



Total income, $839,223 05 

EXPENDITURES. 

Paid for losses, 1,145,872 11 

Commissions and brokerage, 133,417 36 

Salaries, fees, taxes, &c, 79,043 94 

All other expenditures, 126,313 03 

Total expenditures, 1.484,646 44 

Premiums. 

Net amount of risks in force, 60,255,114 741,987 07 

Premiums received since the organization of the Company, 4,707,483 90 

Losses paid since the Company organized, 2,913,852 88 

Cash dividends paid stockholders, 71,270 45 



UNITED STATES BRANCH OF THE ROYAL CANADIAN. 

Commenced Business in the United States, 1873. 

Resident Manager, W. J. Hughes, New York. 

Attorney in Connecticut, W; H. Townsend, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks: — 

United States 5's, May, 1881, 200,000 00 213.500 00 

" 6's, July, 1881, 100,000 00 109,625 00 

" 6's, 1865-69, 100,000 00 113,125 00 

6's, Currency, 1895, 10,000 00 12,400 00 

" " " 80,000 00 99,250 00 



Total, $490,000 00 #547,900 00 547,900 00 

Cash deposited in bank, 15,408 47 

Net premiums in due course of collection, 78 ; 184 74 

Bills receivable, • 5,566 11 

All other property belonging to the Company 11,087 30 

Assets of the Company at their actual value, $658,146 62 



\l« 0ANAD1 w [NSUB INOK COMPANY. 

III. LIABILITE 

and unpaid 31,641,78 

! Mid 20,927 01 

isted 6,550 

mntofunpa .".'.Mis 71 

Unearned premiams on fin risks, one year or less.... 208,402 :'.l 

irned premiums od ris than one year 66.180 22 

trued premiums on inland navigation risks 2.715 <>'•> 

rned premiums on unexpired marine risks, 2,767 18 

of unearned premiums sa oomputed above ,015 18 

All other demai the Company 

1 I il liil.il it i.'s ami surplus, 840,097 0:1 

Bnrplns of asaetB in the United States over liabilities, :;!K,<n,s :i;; 

Total liabilities, including surplus, $658,146 02 

IV. INCOME DURING THE YEAR. 

M. & In. 

Premiums received in cash, 0.">7,908 08 63,129 05 

Deduct re-insurance, rebate, abatements 

and return premiums 160,826 97 9,259 42 

Actual cash premiums, 497,:417l 43,870 28 641,01194 

From interest on loans and dividends on stocks and bonds, 900 01 

Actual cash income, L '.)."> 



V. EXPENDITURES DURING THE YEAR. 

Fire. M. & In. 

Amount paid for losses, (including $114,- 

- 80 occurring in previous years 560,158 62 89,032 4.~> 

Deduct salvage and re-insurance, 58,668 27 1,798 87 

• amount paid for losses, 601,485 85 87,238 r,H 588,718 93 

Commissions or brokerage 106,150 42 

87,120 17 

2'_ J .'.'7 7 85 

ants and expenses, 94,588 71 



Actual cash expenditures il 08 

VI. MISCELLANEOUS. 

Premituna 

in force having not more than one year to 

run fr<-- 5 00 416,804 68 

d 1 not more than 1 1 
run from date of policy 6,146 852 17 

lO run from d. ' 
policy, 2,9 3,199 

4 1. I 543, 

In. 
97,904 00 5,4 



374 SCOTTISH COMMERCIAL INSURANCE COMPANY. 

Business in Connecticut in 1877. 

Fire, marine and inland risks iaken, 769,879 00 

Premiums received on same, 9,925 20 

Losses paid, 10,320 97 



SCOTTISH COMMERCIAL INSURANCE COMPANY, 

Glasgow, Scotland. 
Commenced Business, August 14, 1855. 



CAPITAL. 

Paid up capital, $625,000 00 

ASSETS. 

Real estate owned, 122,851 25 

Loans on bond and mortgage, 122,05-1 56 

Stocks and bonds, 661,372 21 

Loans on collateral, 66,205 00 

Cash in office and banks, 74,491 93 

All other assets, - 319,318 43 

Total assets, $1,366,293 38 

LIABILITIES. 

Unpaid losses, 29,456 90 

Unearned premiums, 366,088 39 

All other liabilities 23,752 53 

Total liabilities, 419,297 82 

Capital Stock, 625,000 00 

Surplus beyond capital, 321,995 56 

Total liabilities, including capital and surplus, $1,366,293 38 



INCOME. 

Cash premiums received, 890,104 76 

Interest on bonds and mortgages, and interest on loans and divi- 
dends on stocks and bonds, and from all other sources, 205,347 24 

Total income, $1,095,452 00 



0TTI8H COMMBKQIAL INSURANCE COMPANY. 

KXPBNDIT1 ELE& 

»40 18 

Lend* 

I ins and bn 145,710 7:: 

Allot! 189,202 17 

f918,8 

Amount of risks in force I Jfi <><> 

iams thmreon 782, 1 78 7:» 

Premiums reoeiyed sinoe the Company organised 4,161,487 00 

■ Comp.im .1 2,855,531 00 



UNITED STATES BRANCH OF THE SCOTTISH 
COMMERCIAL, 

In tin Vi . EL w. Obowxll, W, T. Read, 

Commenced Business in the United States, Jan. 20, \^~'.\. 
Attorney in Connecticut, Gno. 15. Fishkb, Hartford, 



II. ASSET& 

ks and Bondt owned by tfn Company, 

Par Value. Market Value. 

9 

,8 20 1,0 "i I 211,000 00 

1881, 100.000 00 106,875 00 

" 25,000 00 26,718 7:. 

85,1 00 26,718 77. 

86,000 00 88,475 00 

24,0 10 00 25,6 
I <>«) 
50,1 | 62,1 



I ■• .: - - :.-ll. 625 00 

Cash: principal office 18,741 <>4 

:ri \) ink 

1 ,2 

Gross premiums In d lUeetfoa 

• '7 J 7 



Assets <>f t;. v at their actual v. tin .-i 20 



376 SCOTTISH COMMERCIAL INSURANCE COMPANY. 

III. LIABILITIES. 

Losses adjusted and unpaid, 14,503 99 

Losses reported and unadjusted, 6,750 00 

Losses resisted, 15,000 00 

Total, 30,323 99 

Deduct re-insurance, 1,110 09 

Net amount of unpaid losses, 35,213 90 

Unearned premiums on fire risks, one year or Jess,... 207,263 71 
Unearned premiums on risks more than one year, 100,860 48 



Amount of unearned premiums as computed above, 308,124 19 

Due and accrued for salaries, rents &c, 7,506 00 

All other demands against the Company, 17,733 35 



Total liabilities, 368,577 44 

Surplus of assets in the United States over liabilities, £24,646 76 



Total liabilities including surplus, $693,224 20 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 568,323 07 

Deduct re-insurance, rebate, abatements and return 

premiums, 59,359 10 



Actual cash premiums 508,963 97 

From interest on loans and dividends on stocks and bonds, 30,410 18 

From all other sources, 3,690 00 

Actual cashmcome. $543,064 15 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $>!o,265.49 occur- 
ring previous years.) 289,610 59 

Deduct re-insurance, 8,879 87 

Net amount, paid for losses, 280.730 72 

Commissions or brokerage, 89,832 89 

Salaries and fees, 30,220 82 

Taxes, 10.644 17 

All other expenses, 36,612 32 



Actual cash expenditures, $454,070 92 



• VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run from date of policy 45,676 000 00 431,241 88 






wkstkkn ASSURANCE COMPANY, 

Having mora thai one and m>t mora than three 

re to ran from date of poUoj 11,068,072 00 89,768 17 

Baying mora than thi to ran from date of 

8,861,470 <>i> 42,180 90 

60,600,542 00 666,140 9r> 

[red in the United Btatee 1,655.022 o'J 

Losses paid in the United States (;:»;»,• 

Buttne$$ in (Connecticut in 1877. 

Fire risks taken, (no inland,) 1,218,962 00 

Premiums received on same 11,046 82 

paid, 17,(180 79 



WESTERN ASSURANCE COMPANY, 

Tobonto, Canada. 
Commenced Business, August, 1861, 



CAPITAL. 

Paid up capital, , |4 12,000 00 

ASSETS. 

Loans <»n liond and mortgage, 48,686 '-".' 

28,488 02 

bonds .^77.."f.4 82 

ad bank r92 08 

161,952 19 

To4 *],i^,:.77 ;;:> 

LIABILITIES, 

msa 372 n 

j.reiiiiums "i<; .;<; 

I.er liabilities 64,406 .".1 

d liabilities M 

412,000 00 

-''J. 1 

leloding eapital and mrp] 



378 WESTERN ASSURANCE COMPANY, 

INCOME. 

Cash premiums, received, ". 775,978 42 

From [interest on bonds and mortgages, and interest on loans 

and dividends on stocks and bonds, and from all other sources, 54,882 93 

Total income, $830,861 35 

EXPENDITURES. 

Paid for losses, 515,518 58 

Cash dividends , 62,115 20 

Commissions and brokerage, 118,508 01 

Salaries, fees, taxes, &c, 30,506 99 

All other expenditures, 59,670 46 

Total expenditures, , .' $786,319 27 

Premiums. 

Net amount of risks in force, 54,792,106 00 751,843 44 



UNITED STATES BRANCH WESTERN ASSURANCE. 

Toronto, Canada. 

General Agent, Geo. O. Carpenter, Boston. 

Attorney in Connecticut, S. Chapman. Jr., Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States Bonds, 356,000 00 374,920 00 

Georgia State Bonds, 25,000 00 25,000 00 

Bank Stocks : — 

Canadian Bank of Commerce, 63,705 50 73,26133 

Consolidated Bank of Canada, 25,750 00 20,600 00 

Ontario " " 10,300 00 10,091 00 

MlSCELL \NE0US : 

Cash deposit in Mississippi, 15,000 00 15.000 00 

Total, $495,755 50 $518,875 33 518,875 33 

Cash deposited in Bank, 22,807 89 

Interest due and accrued on stocks, 1,575 00 



MI'ANV. 

ramiams in da m 324 70 

38 10 



Assets of the 

III. I.I U5I1.1 i U.S. 
1 V" 

preminma on tin- rial 

inmfl on ri-^ks more than one year 80,879 li' 

pired inland navigation risks, 1,629 62 

-ant of nv. - oompnted above 



i :al liabilities 248,804 66 

plus of assets in the Unit* iter liabilities 860,866 17 

Total liabilities, including surplus §608,671 "2 

IV. INCOME DURING THE YEAK. 
Fir<\ Inland, 

ninis received in cash 498,764 22 48,261 21 

Deduct re insurance, reba* 

and return premiums 60,761 48 10,18(5 9:i 



I temimns 488,002 74 :•,;:. o:i 28 471,077 02 

Bills and notes for premiums remaining unpaid.... - .7.) 

Fr->m inte r est on loans and dividends on stocks and bonds L'*;.!»t;i :;; 

ual cash income, $498,041 39 



V. EXPENDITURES DURING the year. 

Fire. Inland- 
Amount paid for -In- 
curring in previous year-... 24A,910 85 50,379 
Deduct ^salvages and re-insnranoe 21,269 09 6,918 20 

• amount paid for losses 227,641 86 4.';.4»;<; 72 271,108 58 

Commissions or brokerage 94,456 22 

12,812 45 

All other payments and ev 

:ual cash expenditures $416,01 



VI. MISCELL 



I'nTiiiumii. 



::i force having not more than 

ran from dste of policy. 

• ■ than three 
years to run from 0, 120 00 

| 00 1,54 

117 00 

Inland. LSBM. 



380 WESTERN ASSURANCE COMPANY. 

Business in Connecticut in 1877. 

Fire risks taken, 125,950 00 

Premiums received on same, 1,585 95 

Losses paid, 395 33 



DIRECTORY LIST 



382 



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l:i 8LN K88 OF rHB I l LB I 

I table exhibits the business of the Connecticut Com 

jmnics for the 3 1 ar l B . 









1877. 




1876. 


18/ 




lium 


Paid tor 






P.c.of 




P.cof 










1. tor. 






1. tur. 




1. tor. 










22 


p. c. 


56.12 


24 p. c. 






1 










19. in 


!:• 


:,i 


1:, •■ 


Fairfd 




: 14.42 


10 


•• 


77.2B 


In 




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•• 


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20 


52 


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14 •■ 


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16 


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60 


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6.052.46 71.20 


Hi 




14.68 


10 *• 


58 


10 " 






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7 7 






113 " 


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Peopls 






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100 




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GO •_'(> 


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274 - 


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10 


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01.04 


11 


60 


11 " 



[nium receipts m 1877 of 04.29, and 

81.42 per cent., against receipts in i 

;• 55.57 per cent. In 

eipts wer and tosses |5, .'03,416.25. or 

nt 



nil: MUTUAL COM PA NIBS OP TUB BTATB. 

The nineteen Mutual Companies of the State report tlieir condition 
and business the past year a-> follows : — 








Conn.,W. Meriden. 

I 

F mnan, Suffield... 

Fkimingfeon Valley. 
Green ••■ 

Hartford County. .. 
Harwi: 

■ 

Litchfield 

' 
I 
X. Lon 

Norwich, 

Rockville, 

34 

Tollaii : 
■ 



110,119.25 

13.: 



190,< 



5,4 

ll._ 



1.7 

119,45 

-.77ii.ni; 
105,024.00 
156.50 
11,6 
21,1 

9.45 



3,112,8 






89,825.00 
2,178, 
840, I 

. I 16.00 
7,650.00 

415, I 

,846.1 
17-'.' 

744.00 
4,1 15,507.00 

,094.00 



Cashrec.'TT i 
100.07 
17,480.41 
1,849.08 



71 



50.00 
1,950.00 



890.15 
52,211.28 

- 7 

671.78 
14.66 
169.68 
1.24 



81,671.19 



16.00 
1,954 

154.81 






,g'Jlfi.733. ' 139,462.78 

Ibury 
■ the published statements. 



426 



REPORT OF THE INSURANCE COMMISSIONER. 



The assets of the Bristol Mutual were reported to be, cash, 
$112.74, promissory note, &1 50, and premium notes, $1,706 ; total 
assets, $1,968.74. With this amount of assets the Company was car- 
rying one risk of $3,000, four of $2,000 each, one of $1,800, four of 
$1,500 each, one of $1,400, one of $1,200, one of $1,000, two of $800 
each, one of $700, one of $500, and one of $250, making $25,450 in 
all. 

The Farmers of Woodbury reported no cash, and but $155.75 in 
premium notes. Yet on this basis the Company was carrying four 
risks of $1,000 each, one of $800, one of $600, one of $500, three of 
$300 each, one of $400, one of $250, One of $150, and one of $50, or 
$7,650. 

Special attention was called to the condition of one of these Com- 
panies in my last annual report, but no action was taken upon it- 
Both of them may be doing business according to the letter of their 
charters, but a company which has not at least assets enough to pay 
the amount it has in its largest single risk, ought to be closed up with- 
out delav. 



RECEIPTS AND EXPENDITURES OF THE COMMISSIONER'S OFFICE. 

By changing the close of the fiscal year from March to November, 
a full settlement is now made with every company, and the exa«t an. 
nual expenditures and earnings of this office are determined.. 



Close of the fiscal year. 


Receipts. 


Expenses. 

14,140 73 
17,641 53 
18,697 01 
17.478 85 
15,986 93 
11,996 96 
16,464 40 


Surplus. 


March 31, 1872, 1 year, 


18,016 87 
26,231 61 
28,159 23 
19,722 09 
17,354 10 
9,724 53 
14,211 74 


3.876 14 


" " 1873, " 


8.590 08 


" " 1874, " 


9,362 32 


" " 1875, " 


2,243 24 


11 " 1876, " 


1,376 17 


Nov. 30, 1876, 8 months, 




" 1877, 1 year, 










$133,420 47 


$112,406 41 


$21,014 06 



The taxes on premium receipts, collected through this office, have 
been as follows : — 

1871, $13,425 08 

1872, 21,254 21 

1873, 22,489 22 

1874, 23,214 10 

1875—15 months, 29,092 ,73 

1876—12 months, 18,829 11 

1877—12 months, 17,345 26 

Total, $145,649 71 



BKPORT OF 111K IN8URANCK COMMISSIONER. I '27 

L8TN Al. I'Al.l 

Tabli l shows the capital, assets, liabilities and Burplus of :i!l the 
companies doing business in this Btate. Theeleven Connecticut com 
pani< |17,049, •: assets, (of which the Hartford com 

panies ha\ <■ $15,745,8 \ 1.31, and all the other companies of the State, 
|l,a .ihl Burplus on policyholders 1 account, of $12,003-, 

The ninety-eight companies <>i other States and countries 
doing business in the Stair, ha\ e assets amounting to $90,386, 120.18, 
and a surplus as regards policyholders oi 3.80. 

-hows how tin' companies have their assets invested. The 

Connecticut companies have in real estate and loans on bond and 
mortgage, $2,857,009.11, and in property immediately available, 
$14,192,860 95. All the other companies doing business in tin- 
State have in real estate and bond and mortgage loans, #25,086,320- 
snd in available property, 22. A marked increase is 

noticeable in investments in United States securities. The Connecti- 
cut companies Bhow an increase in these securities for the past year 
of $509,470.25. 

- 8 gives the items composing the liabilities of the compa- 
nies exclusive of their liability on their capital stock. Of the entire 
liabilities of the Connecticut companies, all but $700,042.18 is in the 

form of unearned premiums, reserved to apply upon expected loss 

erience has shown that a reserve of one half of the annual pre- 
mium receipts from fire risks is an ample protection for the policy- 
holders; The unearned premium reserve of the Connecticut compa- 
nies at the begining of 1877 was $4,401,929.20. The actual amount 
paid for h.sv C v during the year was $4,539,894.13. 

Tabl the sources <<f the income of the companies. From 

ipts the Connecticut companies received $7,392,004.29, 

and from all other . $888,700.1 2. 

ufication of the items composing the expenditures 
of the compai 

t 6 is a summary of the two preceding tables, showing the 

ratios of expenditures to income classified. Of the 90.94 per cent of 
t.» income, 50.99 is paid in losses, 16.18 in commissions to 

1 the balance mainly in dividends, salaries and l 

ks in force in all the companies, the premi- 
um r md the losses, with tb< e premium rat 
and ' premium The Connection! com. 

►ther c >mpani< -. and 

r than t! • 



428 



REPORT OF THE INSURANCE COMMISSIONER. 



The [business transacted in this State during the past year, de- 
tailed in Table 8, may be classified as follows : — 



Kisks Written. 



Stock Co's of Connecticut 
" " other States 
Mut. " 
Foreign" 



Totals, , 



51,640.649 


00 


59,286,032 


00 


2,376,845 


00 


17,067,569 


00 



$130,371,095 00 



Prems. reed. 



516,336 06 

645,000 55 

22,860 79 

211,311 59 

$1,395,508 99 



Losses [incur' d 



Pei-. ct. of 
Losses to 
Premiums. 



274,182 60 

443,930 04 

14,566 04 

119,008 95 



$851,688 20 



53.10 

68.83 
63 72 
56.32 

61.03 



111 1875 the risks written were $142 3 327,388.00, the premiums re- 
ceived, #1,779,1 39.00, the losses, $1,147,237.85, or 64.48 per cent; 
in 1876 the risks written were $135,404,485.00, the premiums re- 
ceived, $1,583,441.04, the losses paid, $629,303 63, or 39.74 per 
cent. An immense volume of insurance is done in this State by the 
mutual companies of Boston and Providence which does not appear 
in this table. 

On page 424 is a summary comparison of the fire business in this 
State for the past five years, and of the business of the companies do- 
ing business in this State for the same length of time. 

Table 9 is a comparison of the business of all the companies 
transacting business in this State for the past three years. There is 
not that decline in the volume of insurance, nor in the rates upon 
which it is done, that is observable in other branches of business. 



NEW LEGISLATION. 

At the session of the General Assembly in 1877, a committee was 
appointed to revise and codify the insurance laws of the State, with 
directions to report to the session in January, 1878. The committee 
performed their work and reported as directed, but the committee of 
the General Assembly, to whom the report was referred, were so 
crowded with other and more important duties, that they found it 
impossible to give the subject their attention before the adjournment 
of the session. The matter was therefore referred to the session of 
the General Assembly in 1879. 

Two sections were, however, taken from the report and passed as 
separate Acts. One in relation to the suppression of advertisements 
giving false statements in regard to the assets of companies, and the 
other in relation to the time of reporting business for the purpose of 
taxation. These Acts will be found in their proper places in ttV 
Appendix. 

Respectfully submitted. 

JOHN W. STEDMAN, 

Insurance Commissioner. 

Hartford, April 5, 1878. 



i'i>. i\n\ 



' ■/#/■ Receipts and Expenditures of the Insurance 
ir ending November 30th, I 

• ii-i •-. 

For Filing Charters $196 00 

I ei tificau - 

baling Statements, 1,886 80 

Lie na - l,10< 

' Certificates 1,282 78 

Valuatii n of-Life Policies, 8,90< 

Reports Bold 6 00 

$14,211 74 



KXPEND1 11 IRES. 

For Valuation of Life Policies $5,9J 

Salary of Commissioner 3,354 19 

< >ther Salaries :;,740 00 

Rent ai!<l Office Ex| 1,450 4 \ 

Traveling Expenses, 407 10 

Printing and Binding, '.'-' 

Postage, Express, and Telegraph, 525 o;» 

itionery, 71 62 

Library, 

$16,464 10 
Leg Bes in case of Charter <>uk Life Insur- 

I npany 1,366 06 



Wi bave compared the above statement of the Insurance Com- 
. with the vouchers, for the year ending Nov. 30, 1877, and 
find ill-- same 

JAS. BOLTER, I , . 

JOHN W MANSFIELD, | '' 



St t ex t v.' of tf o n n o e t i c ii t . 



TI II BTEENT] I 



ANNUAL REPORT 



INSURANCE COMMISSIONER 



TO THE 



nural Asstmblg of i\t §tztt f 



JANUARY SESSION, A. D. 1878. 



PART SECOND. 

LIFE AND ACCIDENT COMPANIES, 






I X I ) K X . 



17? 

Business in Connecticut 181 

. Life 185 

Companies admitted ~> 

Companies withdrawn 5 

Comparative BosineSi in l>7t', and 

1877 181 

Death Claims 182 

Directory, 168 

Income and Expenditures 180 

Introduction 5 



Laws of the State, Appendix, 

Liabilities, 180 

Life Insurance Business ] ^.; 

Outstanding Insurance 181 

Policies, number and value of. I v l' 

Policy Contract 

Premium Notes 182 

Statistical Tables, 168- 178, 179 

Summary Comparison 1 B I 

Termination of Policies,.. 181 



Statistical Tables. 

Table 1. Classification of Assets, 16S 

•_'. P< reentage of various Assets, T"> I 

3. Classification of Liabilities, 1 < i 5 

4. : ion of Income I^i 

6. el isaineation of Expenditures, 167 

6. Gross Assets. Liabilities, Income, and Expenditures, 168 

7. Premiums received, Losses and Commissions paid, 169 

8. Connecticut Business, 170 

Business of is 77 171 

10. Summary of outstanding insurance, 17'J 

1 1. Policies terminated, 173 

1 _'. Percentage of modes of termination, 17+ 

18. Claims 175 

It. Premium Note Exhibt 176 

15. Synopsis of valuations 177 

16. Average amount and value, 178 

Detailed Statements— Connecticut Llfk Oompaj 

9 Hartford life and Annuity 38 

tenera] 18, Phoenix Mutual 44 

Connecticut Mutual -\ TraTelersf. 

inenta] 80 <i- '51 



Trav.l.rs 



50 



61 Mutual 118 

7:; Ifntna] Benefit, 

Horn 78 H 

Homoeop v 

John 

I itual 

Massachusetts Mututl. 101 tfnib 

l - 



S> t a t f <S n n C t i c U i 



THIRTEENTH ANNUAL REPORT 



Of Tin; 



INSURANCE COMMISSIONER. 



PART SECOND. 

LIFE AND ACCIDENT COMPANIES. 



To Hu General Assembly of the State of Connecticut : 

The undersigned has the honor to submit Part Second of the Thir- 
teenth Annual Report of this Department, containing a detailed 
statement ot the business and condition, at the close of last year, of all 
the Life and Accident Insurance Companies now doing business in 
the State of Connecticut. 

Only one Company, the Vermont Life Insurance Company, of Bur. 
Lington, Vermont, was admitted during last year, (April 3d) and that 
withdrew at the close of the year. 

The Globe Mutual, of New Fork City, failed to forward its annual 
rt in time for publication, and is, in consequence, dropped from 
the list of Companies authorised to do business in th<- State. 

The (eight Life Insurance Companies of Connecticut, six- 

( of other States, and two Accident Companies of 

( rein given, with capital and ai Hows: — 

:tul. 

|1, 100,1 974,847 •">» 

at other Si L«435,< 267,788,704 16 

Connecticut Ac 1..", 



• 






6 REPORT OF THE INSURANCE COMMISSIONER. 

From this account the Charter- Oak Life Insurance Company is 
omitted. At the time this report was made up that Company was in 
progress of re-organization as a purely Mutual Company. Its condi- 
tion will be reported out of its regular order. 

The following are the statements of the Companies in detail. 



CONNECTICUT 
LIFE INSURANCE COMPANIES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1877. 






ANNUAL STATEMENTS. 



.KTXA LIFE INSURANCE COMPANY, 

Hartford, Conn. 
Commenced Business, 1850. 
T. O. Enders, Pretidtnt. J. L. English, Secretary. 






I. CAPITAL. 

Capital stock paid up in cash, $160,000 <"> 

Amount of net or nets Dec. 81, 1876 $22,183,411 11 



II. INCOME DUKING THE VKAK. 

.• pxemiami without 

duct other 

rises 2,1." 

Premium notes, loans or liens taken 

in i premium! :>\ 1,732 48 

poli- 
780,180 <>:, 

Total 

Deduct am > other Co- 

1 i v i - 
dends thereo: 11,919 81 

T<Aix\ pcemfam income .'.,213,871 32 

2 



10 iETNA LIFE INSURANCE COMPANY. 

Received for interest upon mortgage loans, 827,789 56 

Received for interest on bonds owned and divi- 

dendson stocks, 473,835 74 

Received for interest on premium notes, loans or 

liens, 164,619 18 

Received for interest on other debts due the Com- 
pany, 43,522 79 

Received as discount on claims paid in advance,.... 3,621 61 

Received for profits on bonds, stocks, or gold actu- 
ally sold, 815 45 

Total income, 4,728,075 65 

Total, $26,911,486 79 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 1,049,809 36 

Premium notes, loans or liens used 

in payment of same, 71,274 60 

Paid for matured endowments and 

additions, 535,202 84 

Premium notes, loans or liens used 

in payment of same, 91,466 89 



Total losses, 1,747,753 69 

Deduct amount received ^frorn other 
Companies for losses or claims on 
policies of this Company re-insured 8,196 00 

Total amount actually paid for 

losses and matured endowments, 1,739,557 69 

Paid for surrendered policies, 18,040 51 

Premium notes, loans or liens used in purchase of 

surrendered policies, and voided by lapse, 340,237 08 

Cash surrender values, including reconverted addi- 
tions, applied in payment of premiums, 760,160 05 

Cash dividends paid to policyholders and applied 

in payment of premiums, 288,151 88 

Premium notes, loans or liens used in payment of 

dividends to policyholders, 272,743J,18 

Total paid policyholders, $3,418,890.39 

Paid stockholders for interest or dividends, 45,000 00 

Paid for commissions to agents, 229,340 52 

Paid for salaries and traveling expenses of man- 
agers of agencies, and general, special and local 

agents, 8,601 76 

Paid for medioal examiners' fees, 13,886 03 

Paid for salaries and other compensation of officers 

and other office employes, 56,817 84 

Paid for U. S. taxes and revenue stamps, $331.29 ; 
State and local taxes, $92,061,17 ; taxes, licenses, 
fines and fees in other States, $51,605.85, 143,998 31 



\A LIFE [N8UKAN0E COMPANY. 11 

Paid for rani B,«9fi 

Paid for furniture an.l Axiom tor home 

and agency offices 19 20 

Paid for advertising i.' 81 67 

Paid for the following items : Postage $1 1,919. 1 1. 

ran $1,294.88, telegraph §888.89, Legal §9,- 

printing §8^ tationery §2,826.02, 

supplies - luation §8,686.18, 

profit indloae - 48,807 89 

Hotel diabnrsementa 8,98 1,085 4:; 



§22,927,481 88 

IV. ASSETS, 

fcfl KB i.r>,i 1; ac or'NT8. 

• unencumbered, as per Schedule A, 2(13,771 88 

ion bond and mortgage Aral liens) l<>,7<)9,966 92 

Loans aeonred by pledge of bonds, stocks, or other 

marketable oollaterals, us per Schedule C, 241,962 06 

rt payment of premiums,. 26,680 43 

Premium notes, loans or liens on policies in force, 3,291,433 54 
.due of stocks -and bonds owned absolutely as 

par Schedule E 7,847,098*41 

Cash in Company's office, 10,395 83 

Cash deposited in banks 978,416 32 

Bills receivable 55,987 <>l 

Agents' ledger balances, 39,398 70 

Less due to agents and others, 37,500 34 1,838 36 

Total net or ledger assets, $22,927,451 36 

oth: 

-t due and accrued on bond and mortgage loans, 660,061 48 

Interest accrued on bonds and stocks 117,201 77 

St value of bonds and stocks over cost, as per Schedule E,.. 157,354 49 
Due from other Companies for leasee or claims on policies of this 

mpany re-i 15,000 00 

.mums due and unreported on policies in 

force D. " 139,470 98 

premiums on policies in forco Dec. 31/77, 124,685 82 



Total 264,106 80 

Deduct the loading on above gross amount. (2,821 82 

I amount of uncollected and deferred premium-, 211,285 



4 38 

ITEMS NOT AI>MII III'. 

Agents' balances 

Bills . 1 81 



Total, 57,1 



■ items DO< |24,( ,'»78 41 



12 iETNA LIFE INSURANCE COMPANY. 

V. LIABILITIES. 

Net present value of all the outstanding policies 
in force Dec. 31, 1877, computed according to 
the Actuaries' or Combined Experience Table 
of Mortality, with four per cent, interest, 20,682,595 00 

Deduct net value of risks of this Company re-in- 
sured in other solvent Companies, 105,074 00 



Net re-insurance reserve, 20,576,621 00 

Claims for death losses due and unpaid, 36,450 00 

Claims for matured endowments due and unpaid, 6,007 00 

Claims for death losses and matured endowments in process of 

adjustment, or adjusted and not due, 332,464 00 

Claims for death losses and other policy claims resisted by the 

Company, 42,537 00 

Unpaid dividends of surplus or other profits due policyholders... 96,614 52 

Bills unpaid, 2,125 10 

Other liabilities 7,668 66 

Special reserve to cover possible depreciation in real estate, 50,000 00 



Liabilities on policyholders' account 21,150,487 28 

Gross surplus on policyholders' account, 2,880,091 13 



Total liabilities, $24,030,578 41 

Statement upon a reserve established by Hie General Assembly of Connecticut, 
January Session, 1877. 

Assets, 24,030,578 41 

Liabilities — Net present value of all outstanding 
policies in force Dec. 31, 1877, computed accord- 
ing to the American Experience Table of Mor- 
tality, with four and a half per cent, interest,... 19,210,023 00 

All other liabilities, ; 573,866 28 19,783,889 28 



Surplus on policyholders' account, $4,246,689 13 

VI. PREMIUM NOTE ACCOUNT. 
Premium notes, loans or liens on hand Dec. 31, '76, 3,764,626 02 
Received during the year, 311,722 48 



Total, 4,076,348 50 

Deductions during the year as folloics : 
Notes, loans, or liens used in payment of losses and 

claims, , 162,741 49 

Notes, loans or liens used in purchase of surrendered 

policies, and voided by lapse, 340,237 08 

Notes, loans or liens used in payment of dividends 

to policyholders 272,743 18 

Notes, loans or liens redeemed by maker in cash,.... 9,193 21 

Total reduction of premium note account, 784,914 96 

Balance note assets at end of the year, $3,291,433 54 



\a LIFE INSURANCE COMPANY. 13 

vii. i:\mr.i r i^r PQLIOIES. 

- U & <•/' tht /'/■' viout i. 

Number. Amount 

Whole Ufepoliciei 85,860 59,982,181 50 

Endowment policies 18,560 20,778,070 :><> 

All other policus 2,577 B 00 

B7,J 

\ - PoUoUe i.**"<d during the year. 

Number. Amount 

Whole life policies 8,282 1,802,640 00 

Endowment policies 1,288 1,118,782 no 

AH other policies l, <>•"'<> 2,417,916 00 

Old PcHdet revived and inereated during tin \year. 

Number. 'int. 

Whole life policies 22 131,496 <><> 

Endowment policies, 10 51,68 

All other policies, i:; 60,700 00 

Total number and amount, <'.'_', 667 ,468,728 (W) 

Deduct policies ceased to be in force, 6, 12,744,649 00 

Total policies in force at the end of the year, . ...r)."i,G'J8 719,074 00 

A r and amount of PoUciee rrhich have coated to bi in for a during % 

Number. Amount. 

By death 655 1,179,609 00 

By expiry,. :. 00 00 

By surrender 2,482 4,745,684 <i" 

By lapse 2,679 4,940,024 8G 

turity 492 ,409 II 

..• •:: 646 1,245,422 00 

Total terminated c.sr,'.) 1 12, 644, 64 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Nun int. 

TolicieH in force in Connecticut, Dec. 81, 1877 8,697 

Policies issued during the year, 822 460,418 00 

J .; 1,991,797 00 

Deduct number and amount ceased to be in force, 

Total nu i. mount in force Dec. 81, . ;J.77I 00 

A int. of lot 01 and chums on polit IM unpaid Deo. 81/77, 21 

Ami of losses and claims incurred dming 



IT. 



14 JBTNA LIFE INSURANCE COMPANY. 

Schedule A — Real Estate owned by the Company. 

Real estate in Hartford, - ., 15,479 09 

" Ontario, Canada, 800 00 

" Illinois 227,492 79 

" Indiana 20,000 00 

Total, $263,771 88 



§c!aedule C — Loans on Collateral. 

Par Value. Market Value. Am t Loaned. 

Willim antic Linen Co., 2,500 00 7,100 00-. 

United States Trust Co., 1,300 00 1,196 00 1 

Hartford City Coal & Salt Co. , 2, 500 00 2, 500 00 I 

United States Trust Co., 12.500 00 11,500 00 j" 46,300 00 

^tna Fire Insurance Co., 8,000 00 16,800 00 

Williman Linen Co., 7,500 00 21,300 00 I 

United States Trust Co., 15,000 00 13,800 00"^ 

^tna Fire Insurance Co., 4,000 00 8,400 00 ' 

Hartford Carpet Co., 5,000 00 11.250 00 I 54 > 2G7 31 

Willimantic Linen Co., 10,000 00 28,400 00 j 

Keithsburgh Township bonds, 1,500 00 1,500 00) 

Mt. Pulaski Township bonds, 1,000 00 1,000 00 > 2,680 00 

Town of Dayton bonds, 1,000 00 1,000 00 ) 

United States Trust Co., 5,000 00 4,600 00 4,000 00 

Union Salt Co., 42,500 00 42,500 00 25,000 00 

Wheeler & Wilson Manufacturing Co.,... 13,000 00 39,000 00] 



56,068 75 

^tna Fire Insurance Co., 16,800 00 35,280 00> 

Willimantic Linen Co., 10,625 00 30.175 00 13,300 00 

Williman tic Linen Co., 8,750 00 24,850 00 16,500 00 

American Screw .Co., 800 00 1,600 00) 

Agawam Canal Co., 1,200 00 600 00- 1,130 00 

Travelers Insurance Co. , 800 00 1,280 00> 

Assignment of mortgage, 4,000 00 4,000 00 3,500 00 

Assignment of mortgage, 1,000 00 1,000 00 384 00 

iEtna Fire Insurance Co., 4,400^.00 9,240 00 3,500 00 

Phenix Fire Insurance Co., 1,000 00 1,800 00 736 00 

Hartford Carpet Co., 2,500 00 5,625 00 3,800 00 

^tna Fire Insurance Co., 2,500 00 5,250 00 4,096 00 

Hartford Carpet Co., 3,000 00 6,750 00 4,000 00 

Hartford Carpet Co., 1,600 00 3,600 00 2,700 00 

Total, $191,275 00 $342,896 00 $241,962 06 



ScBiedsile E — Stoctcs and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States Gov. bonds, registered, 140,000 00 145,600 00 

" " 1867, ieo.000 00 104,000 00 

coupon, 1865, 82,250 00 86,362 50 

6's, 1881, 10,000 00 10,900 00 



\A LIFE tNSURANCK COMPANY. 15 

Par \ alnr. Mink.'! \'ali:«'_ 

Distriot of Oolambim bonds, 800,000 00 228,000 00 

Booth Carolina 60,0 00 17,600 00 

Virginia 87,986 00 11,8 

'IV:.' :'i I2,fl 

Miaaiaaippi, Warrants 10,000 00 r86 06 

Kani 100,000 00 100,000 00 

MrNU'.ru B >NDfl 

Oity of Terre Hants 67,000 00 87,000 00 

•• Richmond 26,000 00 26,000 <k> 

•• Richmond, * 80,000 00 80,000 00 

•• Mobile 160,000 00 L 20,000 00 

•■ Hartford, 10-SOs 21,000 00 22,680 00 

Non-Taxable 69,000 00 79,860 00 

11,000 00 12,660 00 

Capitol 88,000 00 108,600 00 

Funded 222,000 00 287,640 00 

" Oleyeland 231,000 00 242,660 00 

" Louisville, 100,000 00 104,000 00 

•■ Kansas 100,000 99,000 00 

'• New Britain,. 180,000 00 186,600 00 

11 Chicago, Water Loan, 60,000 00 63,600 00 

•' Springfield, 111 7,000 00 7,49 1 

11 8 per cent 44,000 00 44,880 00 

•• Watei 40,000 00 12,800 00 

11 Elizabeth, Funded, 186,000 00 180,660 00 

" t Imp't 29,000 00 27,840 00 

11 Grand Rapids 89,000 00 39,000 00 

•• Hartford 19,000 00 19,000 00 

" Peoria. 106,000 00 107,060 00 

" Ottawa 10,000 00 10,000 00 

11 Beardstown, 6,000 00 8,600 00 

Peoria 16,000 00 16,1< 

'• Near Boston, 18,000 00 9,760 00 

" Cleyeland 62,000 00 64,600 00 

'• Jersey City 180,000 00 141,700 00 

'• Newark, 174,000 CO 189,660 00 

•• Buffalo, Water 100,000 00 108,000 00 

•• Dee Moines 40,000 00 41,200 00 

•• Porl Wayne 61,000 00 

lis 600,000 00 498,700 <"> 

•• <<'.::.; 60,000 00 87,664 00 

Milwaukee, Water 100,000 00 107,000 00 

-• Oineinnata l 

Fork, Coi 100,000 00 1 13,01 

u . B 

•■ I 76,600 00 <;i.- 

91 !' . il 60,000 

County of Edgar, 

V. :: ■ 

o, : 

I 



16 



.ETNA LIFE INSURANCE COMPANY. 



County of Macon, 

Ford, 

Adams, 

Christian,.. 

Cook, 

Sangamon, , 



Green, 

Kankakee, .... 

Macoupin, 

Sangamon, ... 

White, 

Gallatin, 

Moultrie, 

Randolph, 

DeWitt, 

Wabash, 

Hudson, 

Hartford, 

Iroquois, 

Ramsey, 

Marion, 

Town of Paris, 

Georgetown, 

Newman, 

Cainargo,* 

Garrett, , 

Elwood, , 

Brooklyn," 

Mt. Pulaski, .....' 

Grant, 

Penn, 

Moline, 

Edgewood, 

West Hartford,, 

Rock Island, 

Lennox, 

Danbury,- 

Astoria, 

Woodland, 

Browning, 

Bushnell, 

Virginia, 

Ricks, 

Mattoon,- 

Winchester, 

Middleport, 

Belmont, 

Galva, 

Milford, 



Par Value. 
52,000 00 
58,000 00 
50,000 00 
20,000 00 
25,000 00 
25,000 00 
15,000 00 
20,000 00 
25,000 00 
43,000 00 
50,000 00 
12,000 00 
13,000 00 
52,000 00 
59.000 00 
30,000 00 
30,000 00 
50,000 00 
70,000 00 
54,000 00 
32,000 00 
200,000 00 
15,000 00 
30,000 00 
12,000 00 
15,000 00 
13,000 00 
32,000 00 
49,000 00 
30,000 00 
20,556 00 
19,000 00 
25,000 00 
10,000 00 
15,000 00 
47,000 00 
10,000 00 
19,000 00 
5.000 00 
5,000 00 
5,000 00 
25,000 00 
2,000 00 
8,000 00 
27,000 00 
] 0,000 00 
15,000 00 
15,000 00 
15,000 00 
12,617 15 



Market Value. 
46,475 00 
58,000 00 
45,000 00 
18,800 00 
26,500 00 
25,750 00 
16,050 00 
18,200 00 
24,687 50 
12,900 00 
50,000 00 
10,860 00 
10,400 00 
45,240 00 
51,330 00 
30,850 00 
26,100 00 
52,500 00 
70,000 00 
54,221 50 
32,000 00 
210,000 00 
12,000 00 
30,000 00 
11,700 00 
14,625 00 
12,675 00 
32,000 00 
46,750 00 
30,000 00 
20,453 62 
18,525 00 
19,750 00 
8,850 00 
15,000 00 
41,125 00 
8,400 00 
18,050 00 
4,500 00 
4,500 00 
4,500 00 
21,875 00 
2,000 00 
6,980 00 
20,250 00 
9,600 00 
14,700 00 
14.700 00 
14,700 00 
12,204 80 






\a l.l IK INSURANCE COMPANY. 17 

Markrt Value. 

thabnrg 83,000 00 28,0 

IV'A .:: 10,000 00 

89,824 82 JOS 70 

Aun.ra 12,000 00 L 1,860 00 

8,000 00 2,8! 

Baal \\ in laa 80,000 00 29,700 00 

Brooklyn 1,000 00 1,000 00 

Spragne 40, > 00 40,1 

B.ui.i 

86,800 00 45,264 I 

irtfard 95,600 00 147,070 00 

B :-- 

Indianapolis A- Cincinnati 50,000 00 H...00 00 

imbosA Indianapolis 50,000 00 42,000 00 

Cincinnati A Indian i 21,0(10 00 21,840 00 

Cleveland, Paine. A Aahtabola, 26,000 I 26,520 00 

rtonA Michigan 15,500 00 15,51 

Little Miami 1,000 00 980 00 

New York Central 4,000 00 4,160 00 

Union Pacific 80,000 00 81,200 00 

Harlem & Port Chester 100,000 00 112,000 00 

\ a York Central A- Hodaon Kiwr. 100,000 00 118,000 00 

Keokuk ft Dee ] Vallej 21,054 00 12,420 00 

Indiana Centra] 9,000 00 9,000 00 

Cleveland A Pittsburgh, 1,000 00 1,000 00 

thern Minnesota 20,110 00 15,082 50 

52,000 00 10,400 00 

Bank Stocks : — 

necticut River Banking Co., 11,760 00 8,980 00 

•ropolitan. New York 10,000 <"> '• , .7"><> 00 

PhcBuix National, Hartford, 91,800 00 187.7 

Mercantile M " 40, 45,20 

56,000 00 60,96 

tford •' •• 75,000 00 116,21 

78,900 00 67,249 <><> 

:>nal Exchange M IT.*: 97,776 00 

American National M - 101,8 

efechaniee', Hartford 66,600 00 64,97 

Soffield x 18,800 00 I.:." 

Britain 21 

Cbsrter < » d: • Hartford 

■na •• 70,01 I 00 

Hartford Troat i 20,000 00 18,44 

00 

kville Hatl kville, 

Security 10,000 00 10 00 

y. 

irance Co 

Atlantic 



Total. >: 



18 CHARTER OAK LIFE INSURANCE COMPANY. 



CHARTER OAK LIFE INSURANCE CO. 

On the 1st of January, there was an application pending before the Courts for 
the appointment of a Receiver for tbis Company. No statement of its condition 
at that time was required, but a statement as of a later date will be found in the 
report at the close of this volume. 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, October, 1S65. 

Thomas W. Russell, President. Frederick V. Hudson, Secretary. 



I. CAPITAL. 

Capital stock paid up in cash, $250,000 00 

Amount of net or ledger assets December 31, 187(5, $1,275,9C7 50 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 219,274 64 

Premium notes, loans or liens taken 

in part payment for premiums, 22,754 75 



Total, 242,029 39 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this .Company 3,227 82 



Total premium income, 238,801 57 

Keceived for interest upon mortgage loans, 42,119 29 

Received for interest upon bonds owned and divi- 
dends on stock, 18,149 34 



TIOUT GENERAL LIFE [N8URAN0E 00, L9 

red for interest on premium notes, loans, or 

Hem 7,228 57 

rarees 1,998 42 



■ tl inoome daring Ins year 808,292 i!» 

1 tal. $1,684,199 89 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses, T8,r»l»4 00 

Paid for matured endowments, 17.i><>(> 00 



Total amount actually paid for 

s and matured endowments 95,694 00 

Paid for surrendered policies, 79,668 66 

Premium n 1 or liens used in purchase of 

•■Rendered policies, and voided by lapse, 9,545 42 

Advance premiums refunded 100 50 

Cash dividends paid to policyholders and applied in 

payment of premiums, 868 33 

Premium notes, loans or liens used in payment of 

dividends to policyholders, 1,078 21 

Total paid policyholders $186,940 12 

Paid for commissions to agents, 12,520 71 

Pail for salaries and traveling expenses of man- 
agers of agencies, and general, special and local 

agents 12,390 35 

Paid for medical examiners' fees 1,329 00 

Paid for salaries and other compensation of officers 

and other office employes, 12,906 75 

Paid for taxes, revenue stamps, licenses, fines and 

fees 8,164 41 

Cash paid for legal expenses, 3, 256 9 1 

Paid for printing, advertising, rent, and all other 

incidental expenses, 7,715 59 

Profit and loss charges, 3,557 r.j 



Total disbursements 248.7S1 46 

Total, $1,335,418 2:: 

IV. ASSETS, 

AS PER LEDGER A< 

Real estate unencumbered, an per Schedule A 244,496 71 

Loans on bond and mortgage, (fir-.*. Hens) 

Loans secured by pledge of bonds, stocks and other 

marketable collaterals, as pu: 21,804 16 

Premium notes, loans or liens ou policies in force, 186, 161 
:id stocks owned absolutely, as 

perSche 16 



20 CONNECTICUT GENERAL LIFE INSURANCE CO. 



Cash in Company's office, 
Cash deposited in banks, . 

Bills receivable, 

Agents' ledger balances,.. 
Non-resident tax, 



469 


88 


46,823 


23 


3, 701 


94 


904 


66 


618 


30 



Total net or ledger assets, $1,335,418 23 

Deduct depreciation from cost of assets, 

From cost of real estate, 44,996 71 

From depreciation of security of mort- 

gageloans, 2,762 48 47,759 19 



Total net or ledger assets, less depreciation, $1,287,659 04 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 18,678 70 

Interest due and accrued on collateral loans, 273 60 

Interest accrued on premium notes or liens, 4,142 99 

Market value of bonds and stocks over cost, as per Schedule E., 3,561 34 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 11,199 70 

Gross def. prms. on policies in force Dec. 31, 1877, ir>,66G 91 



Total, 26,866 61 

Deduct the loading on above gross amount, 5,373 32 



Net amount of uncollected and deferred premiums, 21,493 29 

Total assets, $1,335,808 96 

ITEMS NOT ADMITTED. 

Agents' Balances, 904 66 

Bills Receivable, 3,701 94 



Total, 4,606 60 

Total, (less items not admitted,) $1,331,202 36 

V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the 31st day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experi- 
ence Table of Mortality, with four per cent, in- 
terest, 1,012,554 00 

Deduct net value of risks of this company re-in- 
sured in other solvent companies, 4,109 00 

Net re -insurance reserve, *....» 1,008,445 00 

Claims for death losses in process of adjustment, or adjusted and 

not due, 30,038 00 

Claims for death losses, and other policy claims, resisted by the 

company, » 13,000 00 



nOUT QKNKRAL l.irK [NSURAK 21 

Premiums paid in advance 

All Otto! liabilities 

l abilities on policyholders' account 1,064,784 

-plus on policyholdera'aoooimi 266,467 68 

Total liabilities $1, 



i a rawrn established b$ the General Ae o e m b iy of Connectic ut ^ 
January 8eesion, 1877. 

1,881,902 86 

Liabilities \ nine of all outstanding 

policies in force Dec. 81, l v 7''>, computed accor- 
ding to the American Experience Table of Mor- 

v. with four and a half per cent, interest.... 937,398 00 

All other liabilities, n6,2S9 68 993,687 G8 

Surplus on policyholders' account $:i:]7..v 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 141.866 71 
Received during the year, 22,764 7."> 

Total, 161.621 46 

Deduction* during the year as follmrs : 
Notes, loans or liens used in purchase of surrendered 

policies, and voided by lapse, 9,646 42 

Notes, loans or liens used in payment of dividends to 

policyholders 1,078 21 

Notes, loans or liens redeemed by maker in cash, 17, ."546 28 

Total reduction of premium note account, 28,169 91 

Balance note assets at end of the year, $186,451 55 



VII. EXHIBIT OF POLICIES. 
Potidet and Add rot at end ofpretioueyeaw. 

Number. Amount. 

Whole life policies 5,878,784 82 

rnent policies 566 664,1 

All other policies, 

,688 $6.' 

■<l during the ynr. 

Number. mt 

Whole Hfe pottefel y4« : , ( - ,„, 

Endowmer/ 

Alio: - H u 



22 CONNECTICUT GENERAL LIFE INSURANCE CO. 

Old Policies revived during the year. 

Number. Amount. 

Whole life policies 9 11,500 00 

Endowment policies, 1 200 00 

Old Policies increased during the year. 

Number. Amount. 

All other policies, 1,000 00 

Total number and amonnt, 4,403 7.617,402 90 

Deduct policies ceased to be in force, 898 1,651,905 00 

Total policies in force at the end of the year,.... 3,505 $5,965,497 90 

Number and amount of policies which have ceased to be in force during the year 

Number. Amount, 

By death and endowment, 44 110,884 00 

By expiry, 8 30,500 00 

By surrender, 214 426,071 00 

By lapse, 502 832,750 00 

By change and decrease, , 54,600 00 

Not taken 130 197,100 00 

Total terminated, 898 $1,651,905 00 

Policies Re-insured during the year.. 

Number. Amount. 

Whole life policies, 80,485 00 

All other policies, 29,500 00 

Total re-insured, $109,985 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31st 1876 605 950,932 00 

Policies issued during the year, 51 80,468 00 

Total, 656 1,031,400 00 

Deduct number and amount ceased to be in force, 95 168,613 00 

Total number and amount in force Dec. 31, '77,. 561 $862,787 00 

Number. Amount. 

Amt. of losses and claims on policies unpaid Dec. 31, '76, 2 2,000 00 

Losses and claims on policies incurred during year, 3 5,500 00 

Total, 5 $7,500 00 

Losses and claims on policies paid du.ing year, 4 6,500 00 

Matured endowments, 4 3,900 00 

Premiums collected, 21,498 91 






0ONNICI1O1 RAL L1PE INSURANCE OO, 28 

>«ii<<lnlo \ /.' owned fly the Company, 

to in Illinois 58,810 00 

Ohio 8,600 00 

Michigan 12,000 00 

District ol Columbia 197,800 00 

Kansas 10,000 00 

2,720 00 






,•199,480 (in 



8,600 00 



8,160 00 






§elir<lnle C—Loaiu <>n Collateral. 

Par. Value. Market Value. Atnt Loaned, 

Pratt A Whitney Co 6,800 00 8,780 00\ 

Igeoa farmland 1,500 00 1,600 <)()) 

United States Express Co .-..-ion on 2,692 00 2,<M 

X. Y.. X. H. A Hartford K. & 6,000 00 9,240 00 4,590 00 

Washburn Steel Tire Oo 7,000 00 8,500 001 

Connecticut Fire Ins. Co 2,500 no 8.825 OOJ 

Park National Bank. N. Y 11,000 00 8,150 00 9,064 15 

Travelers Insurance Co .",.000 00 8,700 oo 6,500 00 

Total |86,700 00 $85,287 00 $21,804 15 



Schedule E— Stocks and Bonds owned hy the Company. 

Par Value. Market Value. 
0. 8. and State Sto< ks j — 

U. G red, 80,000 00 B4,400 0C 

.necticut State, 80,000 00 60 00 

BOUM : — 

Cook County 5,000 00 

Chicago I • 2,000 00 8,000 00 

ihiDgton City. End 10,000 00 10,000 <>i> 

Quincy City 11,000 9,18 

I'M 00 00 9,700 00 

Indianapolis City 20,000 <>o 19,600 <><» 

s : — 

10,500 oo -: 50 

Lak - A ithtrn 6,600 00 6,94 

vidence <k Fibhkill. 5,00 6,4 

BalUMMS Sttc kh ; — 

12,500 00 

Have St>,< k- : — 

N . 

1,661 

Fourth 



24 CONNECTICUT MUTUAL LIFE INSURANCE CO. 

Par Value. Market Value. 

American National Hartford, 10,800 00 13,608 00 

Phoenix " " .. 10,400 00 15,600 00 

Charter Oak " " 5,200 00 6,500 00 

Hartford " " 7,000 00 10,570 00 

First " " 10,000 00 9,250 00 

.Etna " " 900 00 1,080 00 

Farmers & Mech. " " 1,700 00 1,92100 

Conn. Trust & Safe Deposit Co., Hartford, 8,600 00 7,310 00 

Security Co., Hartford, 5,000 00 5,000 00 

Thames National, Norwich, Ct., 10.000 00 13,900 00 



Total cost value, $303,855 16 $280,400 00 $307,416 50 



CONNECTICUT MUTUAL LIFE INSURANCE COMPANY, 

Haetfobd, Conn. 

Commenced Business, December 15, 1846. 

Jacob L. Gbeene, President. John M. Taylor, Secretary. 



Amount of net or ledger assets Dec. 31,1876, $44,020,146 47 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses 5,735,103 55 

Premium notes, loans or liens taken 

in part payment for premiums, 51,566 40 

Premiums paid by surrendered poli- 
cies, 708,249 04 



Total premium income, 6,494,918 99 

Received for interest upon mortgage loans, 1,862,724 92 

Received for interest on bonds owned and divi- 
dends on stocks, 326,480 00 

Received for interest on premium notes, loans or 

liens, 351,792 59 



CONNECTICUT MUTUAL [ATE [N8UKANCK 00. 
•. ed for in' >ther d >bts due the Com. 

jmiiv I 1,670 71 

89,829 27, 
Ibrianoe of profit and loss account 22,864 88 

Tbtalinoonie 9,192,281 84 

Total *.-»:;. 21 2,1 27 si 

III. DISBURSEMENTS DURING THE YEAH. 

Paid foi bases and additions, 2,591,469 80 

Premium notes, loans or liens used 

in payment of same 48,888 2o 

Paid for matured endowments and 

additions 610,059 08 

Premium notes, loans or lions used 
inpayment of same 61,806 95 

Total amount actually paid for 

1 isses and matured endowments, 8,306,724 <><> 

Paid for surrendered policies 158,780 •"><; 

Premium notes, loans or liens used in purchase of 

surrendered policies, and voided by lapse .'521.211 50 

Oasb - . applied in paymeuf of pre- 
miums 622,761 57 

holders and applied 

in payment of premiums 2,177,2:3!) 44 

Premium notes, Loans or li in payment of 

dividends 884,536 80 

. paid policyholders §7,124,288 67 

Paid for commissions 418,720 18 

Paid f or Balaries and traYeling expenses <>f man- 
id general, Bp -ei il and local 

8,451 96 

For medical ex- is, 18,492 00 

tther c raj 

employes 83,728 94 

State and lo in State where or- 

gani/.-l. - fines and 

mother states. $188,787.10 859,864 49 

29 

Pai 1 f 

. | I 7. t 7<i. - 
age. • - ,ph- 

in^. 107,816 72 



8,14 '.: 







26 CONNECTICUT MUTUAL LIFE INSURANCE CO. 

IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 4,067.008 90 

Loans on bond and mortgage (first liens), 28,335,744 97 

Loans secured by pledge of bonds, stocks, or other 

marketable collaterals, as per Schedule C, 130,730 28 

Premium notes, loans or liens on policies in force, 5, GO"), 4 86 14 
Cost value of stocks and bonds owned absolutely as 

per Schedule E, 5,697,684 12 

Cash in Company's office, 8,95(5 02 

Cash deposited in banks, 1,181,720 60 

Bills receivable, 4,372 21 

Agents' ledger balances, 39.480 33 

Total net or ledger assets, $45,072,083 57 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 1,866,379 87 

Interest due and accrued on bonds and stocks, 71,855 83 

Interest due and accrued on premium notes, loans, or liens, 302,425 43 

Rents due and accrued on Company's property or lease, 10,000 00 

Market value of bonds and stocks over cost, as per Schedule E,.. 182,698 38 
Gross def. premiums on policies in force Dec. 31, '77, 51,840 02 

Deduct the loading on above gross amount, 17,280 00 

Net amount of uncollected and deferred premiums 34,560 02 

Total assats $47,540,003 10 

ITEMS NOT ADMITTED. 

Bills receivable, 4,372 21 

Agents' balances, 39,480 33 



Total, 43.852 54 

Total assets, (less items not admitted), $47,496,150 rA) 

V. LIABILITIES. 
Claims for death losses and maturad endowments in 

process of adjustment, or adjusted and not due,... 580.935 00 
Claims for death losses and other policy claims in 

process of investigation or resisted, 274,100 00 

Total policy claims 855,035 00 

Net present value of all the outstanding policies in force Dec. 
31, 1877, computed according to the Actuaries' or Combined 
Experience Table of Mortality, with four per cent. interest,....' 42,308,173 00 
Unpaid dividends of surplus, or other description of profits due 

policyholders, 291,041 95 

Contingent reserve on lapsed policies 328,353 00 

Total, 43,782,602 95 

Surplus as regards policyholders, 3,7 1 8.547 61 

Total liabilities, $47,496,150 56 



i I MU ITAl, I.I IK LN8UKANCI G 1 7 

17. J 16,160 M 

LUbil N of nil outstanding 

pol: >rd- 

Pabl of M<>r- 
ith four and a half percent interest,... 00 

All other liabilities 1,474,429 '.•:> 10,740,610 ".'.". 

plus on potteyholders' aooount, $6,756,689 <*>i 



vi. riiKMir.M Non: account. 

inm notes. loane or liens on hand Dee. 81, '76, 6,290,699 45 
I daring the year 68,896 48 

Ml 6,379,995 93 

luring the pear at follow 

.:is, or liens used in payment of losses and 

claims 106,196 15 

Note-, loans or liens .,.,cd in purchase of surrendered 

policies, and voided by lapse 324,241 50 

- or lit-ns need in payment of dividends 

to pofieyholders 884.686 80 

•mod by maker in cash 10,586 34 

Total reduction of premium note account, 774. 509 79 

Balance note assets at end of the year, - (86 14 



VII. EXHIBIT OF POLICIES. 

Policies i in force at the end of the pr&liout year. 

Numh.T. Amount. 

57,2»;7 169,780,769 00 

nnenl potteiei B,440 18,794.184 <><> 

Joint-lives and survivor-hips 1,816,465 00 

Short term and irregular } _' 24.' 

G<;,018 183,414,408 00 

",. year. 

NuiiiImt. Amount 

Whole life poli fes 4,762 11,604,011 

1,011,771 00 

12 ;. 181 00 

Old : '/ duriity the fi 

Number. Amount 

Whole life poU.. 711 2.400,721 t*. 



28 CONNECTICUT MUTUAL LIFE INSURANCE CO. 

Endowment policies, 138 340.206 00 

Joint-lives and survivorships, 14 34.200 00 

Total number and amount, 72.831 198,710.143 00 

Deduct policies ceased to be in force, 6,579 20,435,508 00 

Total policies in force at the end of the year, . ...66,252 178,280,635 00 



Number and amount of Policies icMch have ceased to be in force during year. 

Number. Amount. 

Bydeath, 932 2,593,088 00 

By maturity, 215 669,428 00 

Byexpiry, 1 10.000 00 

By surrender 2,397 7,854,762 00 

By lapse, 2,411 7,079,180 00 

By change and old policies deceased, 465,100 00 

Not taken, 623 1,763,950 00 

Total terminated, 6,579 $20,435,508 00 



VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies issued during the year 67 180,900 00 

Policies in force in Connecticut, Dec. 31, 1877 3,505 9,463,500 00 

Amt. of losses and claims incurred during year, 70,530 00 

Amt. of losses and claims on policies paid Dec. 31, '77, 50.063 00 

Prems. on policies issued and paid for during year v ..». 282,339 58 



Schedule A — Meal Estate owned by the Company. 

Real Estate in Chicago, 1,775,949 00 

" St. Louis, 790.012 16 

" Hartford, 1,118,101 70 

" Cincinnati, 5,000 00 

" Kansas City, 70.695 36 

" Indianapolis, 246,296 45 

" Detroit, 61,854 23 

Total, $4,067,908 90 



Schedule C — Loans on Collateral. 



Par value. Market value. Amt Loaned. 



Uunited States bonds, 6's, of 1881, 500 00 

St. Louis City bonds, !.... 2,000 00 

Ohio Canal Stock, 5,000 00 

Little Miami R. It. Stock, 2,500 00 

Pettis County, Mo., bonds, 3,000 00 



533 13"! 
2,000 00 
5,500 00 
2,000 00 j 
2,500 00 



9,803 28 



2,250 00 



ROUT HUTUAL LIFE INSURANCE I 

p ■ \ Markets line. Ami I 

.:. l:.. bondf B,000 "«' L.500 2mj ln) 

Connecticut Trust ind Baf« Deport Oo, 2,000 00 1,700 

.20 bonds »,000 00 1,190 00 1,000 00 

bd.on property in LooisTille, Ky. 5,f#00 00 10.000 00 8,000 00 

irillo End. 2,000 00 1,000 00 1,600 1 

... 10,000 00 21;800 00 10,0( 

N. n. a HarU . ; K B stock,... 1,400 00 2,212 00 l,5< 

Kerch. Nat Bk. Toledo, O. coll M. L. 25,000 00 17,500 00 20,0 

firsts Bank, Indisnapolis 60,400 00 70,000 00 000 no 

|fftg.bd.Wm.P.Goembe],Germ'toiraIlL 600 00 1,000 00 400 00 

k St Louis 10,000 00 20.000 OOj 

Prank G. Porter, StLonia 6,681 M 6,681 U- 18,777 00 

Promii ►. L. Wright, M 12,246 86 12,246 86) 

EockTilleB. K. bonds •- , •"^< ,, » 25,000 00 10,000 00 

Total, $166,677 00 $207,212 18 $130,730 28 



Schedule D — Stock* and Bondt owned by the Company. 

Pai Value. .Market Value. 
I". S. and St\tk Stocks: — 

-1, registered, 1,100,000 00 1,172,875 00 

currency, reg 500,000 00 695,000 00 

A\ percent, reg 750,000 00 777,187 50 

State of Connecticut, untaxable, 600,000 00 690,000 00 

•' Tennessee. 26,000 00 8,710 00 

11 Indiana, 100,000 00 108,600 00 

MunI'TI-al Bonds : — 

City of Toledo 60,000 61,200 00 

" Furt Wayne, Indiana 100,000 <><> 7."..' 

•■ Jackson, Michigan, 110,000 00 99,000 00 

•• BTsnsrille, Water, 800,000 00 255,000 00 

60,000 oo bio ,, () 

" Louisville. Ky., fewer 200,000 00 182,60 

Change ol 100,000 00 92,600 00 

•' Qniney, 111 250,000 00 187,500 00 

Debt, Funding 24,000 00 21,2 

" Milwaiik- 160,000.00 160,000 00 

Water, 600,000 00 475,000 <«» 

160,000 00 

00 i: 

•• kfobfle, Ala., 7 



•• • B 1,000 00 - 10 00 



I : — 

tford 21,000 00 

... 



30 CONTINENTAL LIFE INSURANCE COMPANY. 

Par Value. Market Value. 
Bank Stocks : — 

First National, Hartford, 13,000 00 11,000 00 

City " 10,000 00 9,100 00 

-Etna " 2,500 00 3.000 00 

Phoenix " 1,500 00 2.250 00 

Charter Oak " 1,000 00 1,270 00 

State Bank " 1,000 00 1,150 00 

Fourth National, New York, 10,000 00 15,680 00 

Connecticut Trust and Safe Deposit Co,, Hart,,.. 30,000 00 25,500 00 

Total, cost value, $5,697,684 12 $5,825,200 00 $5,880,382 50 



CONTINENTAL LIFE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, July, 1864. 

James S. Parsons, President. Robert E. Beecher, Secretary. 



I. CAPITAL. 

Capital stock paid up in cash, $300,000 00 

Amount of net or ledger assets December 31, 1876, $3,124,916 40 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 338,600 62 

Premium notes, loans or liens taken 

in part payment for premiums, 46,321 65 

Premiums paid by surrendered poli- 
cies, 83,127 17 

Total, 4GS,049 44 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company 980 98 

Total premium income, 467,068 46 



\ r:\hM.\l. LIFE INSURANCE COMPANY. 81 

Received for Interest npon mortgage loans, and in- 
terest upon bonds owned and dividends on 

ok 66,675 47 

red for Interest on preu intn notes, loans, ox 

Liens 52,640 26 

red for other debts dne the Company, 2,78 1 :'.:; 

red for rents for use of Company's property,. 1 1,888 29 
i profits on bonds, Btoeks, or gold actu- 
ally sold 1,060 00 

i Inoome during the year. 801,915 B0 

tsJ 18,726,882 20 



III. DISBURSEMENTS DURING THE YEAR. 
Paid for looses and additions 1 19, 28 1 68 

Premium notes, loans, or liens. Deed 

in payment of s line 18,911 17 

Paid for matnred endowments and ad- 

tions, 40,34") 83 

Premium n< . or liens, need 

in payment of same 6,168 4."> 



Total losses 184,660 18 

• amount reoeiTed from other 
• - for losses or claims on 

poli ies of this Company re-insured 6, 122 8G 



il amount actually paid for 

OS and matured endowments 178,237 27 

Paid for surrendered policies 186,21 6 98 

Prem; loans or liens need in purchase of 

surrendered policies, and voided by lapse 11!. 

I, including reconverted addi- 

plied in payment of premiums 

to i olieyholders and applied in 

of j 

Total paid policyholders |685,646 18 

olden f< • .!i 1 dii idends 

for commi 

. 1 travelii. ■ - of in in - 

: local 





•ion of offl 

'J 7, 1 7 I 18 

I 

19, 

• 
and agei. ,us exptimes, . 8,41 



88,127 


17 


48,656 


i 6 


12,000 


00 




;.; 


29,841 




6,671 





32 CONTINENTAL LIFE INSURANCE COMPANY. 

Paid for advertising $2,990.17, exchange $185.85, 

postage $3,777.71, 6,953 73 

Paid for the following items : — Stationery and 
printing $4,730.37, legal expenses $4,277.16, 
charges $2,732.05, profit and loss f^>r agents' bal- 
ances $23,734.67, profit and loss for 122 shares 
capital stock Farmers and Mechanics Bank, re. 
duced $16,043.00, loss on stock sold $376.96,... 51,894 21 



Total disbursements, 799,872 79 

Total, $2,926,959 41 

IV. ASSETS, 

AS PEK LEDGER ACCOUNTS. 

Eeal estate unencumbered, as per Schedule A, 268,136 29 

Loans on bond and mortgage, (first liens), 789,310 89 

Loans secured by pledge of bonds, stocks and other 

marketable collaterals, as per Schedule C, 99,080 00 

Loans made in cash to policyholders on this Com- 
pany's policies assigned as collateral 950 00 

Premium notes, loans or liens on policies in force, 980,840 66 
Cost value of bonds and stocks owned absolutely, as 

per Schedule E, 431,298 90 

Cash in Company's office, 27,915 16 

Cash deposited in banks, 148,614 52 

Bills receivable, 138,765 92 

Agents' ledger balances, 24,776 83 

Office furniture and fixtures, home office, 17.270 24 



Total net or ledger assets, $,2,926,959 41 

Deduct depreciation from cost of assets, 9,933 97 



Total net or ledger assets, less depreciation, $2,917,025 44 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 58,062 17 

Less Forsyth loan, 23,287 00 34,775 17 

Interest due and accrued on bonds and stocks, 12,172 48 

Interest due and accrued on collateral loans, 7,009 95 

Interest accrued on premium notes or liens, 112,713 92 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 81,2-16 82 

Gross def. prms. on policies in force Dec. 31, 1877, 33,700 61 

Total, 114,947 43 

Deduct the loading on above gross amount, 22,989 48 

Net amount of uncollected and deferred premiums, 91,957 95 

Total assets, $3,175,654 91 






CONTINENTAL L1FJC INSURANCE COMPANY. 33 

ms KOI UNO m >, 

Furniture, flxtw 17,270 24 

Agents' Balanoei 24,77 

BilU Receivable 188,7<MJ 92 

,812 99 

ins not admitted,) §2,994,841 :>2 

V. LIABILITIES. 

resent value of all the outstanding policies in 
force on the Mst daj of Deo, 1877, computed no- 
eord ng t^> the Actuaries' ox Oombined Expert* 

em ■ : Mortality, with four per cent, in- 
terest 2,890,898 00 

Deduct net value of risks of this company re-in- 
sured in other solvent companies, 2,689 00 

re insurance reserve, 2,893,704 00 

Claims for death losses nnd matured endowments in process of 

adjustment, or adjusted and not due 30,937 00 

CL.ims for death losses, and other policy claims, resisted hy the 

company 1 , ">00 00 

Liabilities on policyholders' account 2,926, 141 00 

Gross surplus on policyholders'account, G8, 7( >0 92 

Total liabilities, 1 2, 994, 841 92 



Statement upon a reserve established by the General Assembly oj Connecticut, 
January Session, 1877. 

2,994,841 92 

:ties — Net present value of all outstanding 
policies in force Dec. 81, l v 77. computed accor- 
ding to the A: Table of Mor- 
tality, with four end a half pot cent, interest.... 2,706,676 00 

All other liabilities 82,487 00 2,739,113 00 

Surplus on policyholders' account §25f>,728 92 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 81, '76, 1,112,28c 

i during the year 46,821 <;.". 

I tal 1,11 

:■<!/■ StS full,, ir A : 

-. loans or liens Ubed in payment of losses and 
claims, '^,07'.' 



3-4 CONTINENTAL LIFE INSURANCE COMPANY. 

Notes, loans or liens used in purchase of surrendei*ed 

policies, and voided by lapse, 144,. r >08 70 

Notes, loans or liens redeemed by maker in cash, 8,178 87 

Total reduction of premium note account, 177,707 10 

Balance note assets at end of the year, $ 980,840 66 

VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies, 7,211 10,258.286 00 

Endowment policies, 3,31)5 3,184,251 00 

All other policies,..., 197 450,000 00 

10,803 $13,898,537 00 

Neio Policies issued during the year. 

Number. Amount. 

Whole life policies, '. 1,721 2,329,509 00 

Endowment policies, 148 126,371 00 

All other policies, 202 285,558 00 

Old Policies revived during the year. 

Number. Amount. 

Wholehfe policies 51 40,15100 

Endowment policies, 16 13,582 00 

Total number and amount, 12,941 16,693,710 00 

Deduct policies ceased to be in force, 3,347 5,193.933 00 

Total policies in force at the end of the year,.... 9,594 $11,499,777 00 

Number and amount of policies which have ceased to be in force during the year 

Number. Amount, 

Bydeath, 132 183,903 00 

By expiry, 7 24,500 00 

By surrender, 1,358 1.773,072 00. 

By lapse, 973 1,739,100 00 

By change and decrease, 003,310 00 

Not taken , 877 809,380 00 

Total terminated, 3,347 $5,193,933 00 

Policies re-insured, 49,801 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31st 1876. 1.657 2,234,378 00 

Policies issued during the year, 514 297.386 00 

Total, 2,171 2,531,764 00 

Deduct number aud amount ceased to be in force, 312 6 70, 7^6 00 

Total number and amount in force Dec. 31, '77,. 1.859 $1,861,008 00 



ENKNTAL II IK INSURANCE COMPANY. 



;;;. 



Number 

. d elaima on polfcieA unpaid Deo. 81, '76, 7 
Lnenrred daring war 

I il 40 

I claims ><n poliei< i paid doting year 33 





Amount 
9,000 00 
10,100 00 

$49,600 00 



48,600 no 
128,659 



SclMelale \~R<ai Ettah ownedbg the Company. 

Real estate in Chicago, 111 66,068 08 

r property in Illinois, 17t.C;.*» GO 

inKanaae 22,689 66 

in Hartford 5,000 00 

Total 1268,186 29 



Schedule C. — Loan* on Collateral. 



Par Value, 

Hartford Steam Boiler Ins. Co 5,000 00 

mpany,. 8,000 oo 

National Bank, Kansas City 10,000 00 

ed to Company... 8,600 00 

1 :. Co.. 8,6 '» 00 

Mortgage Farm Bonds 2,000 00 

Mortgage Note assigned to Company,... (J, 000 00 

Orient Fir.- fa -. Co., Hartford 2,800 00 

ige Note assigned to Company, ... 5,000 00 

ranee Company i 1 00 

8,000 00 

New York,... 400 00 

Phoenix National Bank, " ... 260 00 

.nk of Coi l,ooo 00 

5,000 00 

ok 4,000 00 

• r.il Life [m Co 4,000 00 

h 1,000 00 

in •- •• 

Merch..: " 8,0( 00 



nk of Cos i,< I 



1,0 

Willimant ........... 



, 
Hnhirlai Baa 



Market Value. 
6,000 00 
B,000 00 
12,000 00 
8,500 oo 
100 00 
•J, 000 00 
0,000 00 
3.080 00 
r,.i)i)0 00 
840 00 
MM 001 
180 00 ; 
250 00 f 
1,260 oo j 
1,980 00) 
8,200 no - 

1,000 oo) 

1,260 Ool 

00 \ 

8, 120 00 I 

■i no 

5,040 00 
1,61 

1,000 00 

1,460 ooj 

00) 

8oo ODJ 



Ann. Loaned. 
8,560 00 
7,150 00 
5,000 00 
3,500 00 
2,500 00 
1,500 00 
o'.COO 00 

750 00 
5,000 00 

400 00 



11,200 00 



9,500 00 






7, loo (jo 



36 



CONTINENTAL LIFE INSURANCE COMPANY. 



Par. Value. Market Value. Amt Loaned. 

New London Northern R. R. stock,.... 1,000 00 1,000 00 700 00 

Chicago & Alton R. R. stock, 2,700 00 2.214 00 2,000 00 

Adams Nickle Co., 1,000 00 1,200 00 000 00 

Judgment Note sec. by real estate 1,000 00 1,000 00 1,000 00 

W. Keeney & Co., mort. note assigned, 7,395 00 7,395 00 5,000 00 

Total, $110,955 00 $127,299 00 $99,080 00 



Schedule JE— btocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

United States 5-20 ! s, registered, 115,000 00 121,325 00 

Municipal Bonds : — 

Fort Way ne City, 10,000 00 8,500 00 

Middletown Water, 7,400 00 7,400 00 

Hartford o City, 8,500 00 8,925 00 

Macoupin County, 10,000 00 7,500 00 

Jefferson " 10,000 00 10,000 00 

Leavenworth " 10,000 00 5,000 00 

Utica Town, 12,000 00 12,000 00 

Quincy City, 10,000 00 8,050 00 

Windham Town Orders, 10,000 00 10,000 00 

Railroad Bonds : — 

Middletown, Unionville & W. Gap, 14,000 00 14,000 00 

N.J.Midland, Receiver's Certificate, 1,947 43 1,947 43 

Middletown, Unionville & W. Gap, 1,000 00 1,000 00 

Burlington, Cedar Rapids & Northern, 4,200 00 2,730 00 

Bank Stocks : — 

Farmers & Mechanics Nat. Bank, 28,300 00 32,417 50 

Conn. Trust & Safe Deposit Co., 7,500 00 0,375 00 

Security Co., 2,500 00 2,500 00 

Merchants Loan & Trust Co., Williroantic, 13,000 00 14,500 00 

Bloomington Banking Association, 2,500 00 2,500 00 

Adams Bank, Topeka Kansas, 1,000 00 1,000 00 

American National Bank, Hartford, 750 00 990 00 

Mtnti " " " 1,000 00 1,200 00 

Stafford " " Stafford, 500 00 540 00 

Fourth " '' New York, 300 00 300 00 

Rockville " " Conn., ,. 4,500 00 5,175 00 

Tradesmen's " New York, 2,000 00 2,040 00 

Bank of Attica, Buffalo, 1,500 00 2,200 00 

Thompson National Bank, Conn., 1,000 00 1,300 00 

Railroad Stocks : — 

Delaware, Lackawanna & Western, 5,000 00 2.550 00 

St. Louis & Alton and T. H. preferred, 10,000 00 1,800 00 

New London Northern, 20,000 00 20,000 00 

St. Louis, Kansas City & Missouri preferred, 10,000 00 2,700 00 



CONTINENTAL i.ifk [N8URAN0I OOMPANT. 87 

Tin N'nliii'. Market V.iltic. 

GfafoftgO, Bock Klan.l A 5.11 > ft, 12ft 00 

ChioNgo A Alt«»u 5,000 00 4,100 00 

Mim - : — 

Hartford Steam Boiler Int. Go 1,250 00 l,ft< 

Orient InraxmnoeGo BOO 00 660 00 

tna •• '• 2,000 00 4,450 00 

Lford Life A Annuity Ins. 0o 2,500 00 l,ft00 00 

Hartford Steam Boiler Ina. Co i. > 00 6,000 00 

United 8tatee Express Go 1,000 00 480 00 

rgo " " 10,000 00 50 00 

Gold and 8toek Telegraph Co., :). 625 on 2,950 00 

Hartford Carpet Go 1,000 00 2,250 00 

Richmond Stove Co 4,800 00 "».."»:. 00 

nton Silk Co 2,500 of) 2,500 00 

Gold and Stock Telegraph Co 1,900 00 1,900 00 

Conn. General Life Ins. Co., 54,700 00 :.l,7oo 00 



Total cost value, $481,298 90 $484,772 48 *»l'1.::<;i :»:'. 



38 HARTFORD LIFE AND ANNUITY INSURANCE UO. 



HARTFORD LIFE AND ANNUITY INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, April, 1867. 

Erastus H. Crosby, President. Stephen Ball, Secretary. 



I. CAPITAL. 

Capital stock paid up in cash, $300,000 00 

Amount of net or ledger assets Dec. 31, 1870, $926,781 36 

II. INCOME DURING THE YEAR. 

Received for premiums -without de- 
ductions for commissions or other 
expenses, 81,934 27 

Premiums paid by dividends, includ- 
ing reconverted additions, $3,995. 53 
by surrendered policies, $109.43,.. 4,104 9G 



Total $86,039 23 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company, 1,791 75 



Total premium income, 

Received for interest upon mortgage loans...... 

Received for interest upon bonds owned and divi- 
dends on stock, 

Received for interest on premium notes, loans, or 
liens, , 

Received for interest on other debts due the Co.,. . 

Received as discount on claims paid in advance 

Received for rents for use of Company's property, 



84,247 48 


55,404 


71 


2,171 


83 


399 


41 


1,373 


11 


166 


12 


195 


V>2 



Total income, 143,058 28 



Total, $1,070,739 64 



III. DISBURSEMENTS DURING THE YEAR. 



Paid for losses and additions, 42,674 44 

Deduct amount received from other 

Companies for losses or claims on 

policies of this Company re-insured 600 00 



Total amount actully paid for losses and ma- 
tured endowments, >.......>...> i 42,074 44 



HARTFORD L1FI AND anm liv i.\sri;\\ 

paid for rarrendered polidea 14 

i a i - 1 1 - 

tions. applied in payment «>f I 109 I I 

In 1 len la paid to p «li >yh »1 1 >ra 

lied in p tymenl »»f premie '. 7 1. 

.: pMul policjholdera $65,054.04 

stockholdera tot interest or dividenda 15,000 

Paid for oommiasiona to i I n.*. 

Tai.l A r Balariea, and traveling 

1 ■ 

8ft 05 

Paid for medical examinera' feea 917 

Paid f"V Salaries, ,.nd Ott :.-atiou of of- 

I other office employes ... 19 92 

ind loo il I tines 

and fees in oth | B.40 1,198 68 

Paid fbi rent, (leas $3,075.04 reoeired nnder aob- 

lease 7 29 

Paid for advertising 925 

Paid for the followi viz :— Printing and 

stationery, $428.60, postage and ezchang 

94, leg tl 17.81, nil- a ex- 


To! 111,198 15 

$950,54 



IV. ASSETS. 

AS PXB I.; l) .i.i: aC ■ 

Keal estate unencumbered, as per Schedule A. 11 4, .">!)() 71 

Loan- ind mortgage, (first liens,), 712, 268 94 

pledge of bonds, stocks and other 

llaterala. as per Sohdule 00 

Loans made in oaah to polieyholdera on the Com- 

UsteraJ 8,071 on 

i doe of boi olntely as 

per Behi Inle E 77 

117 12 

deposited in banka R,264 99 

Loans on person, tl -<<-urr 14,821 49 

7,81 I 

1 1,470 98 

416 84 

• 

Dednd I I 





40 HARTFORD LIFE AND ANNUITY INSURANCE CO. 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 38,381 50 

Interest accrued on bonds and stocks, : 413 76 

Iuterest due and accrued on collateral loans, 1,0(12 50 

Interest accrued oti premiums notes, loins or liens, 225 67 

Rents accrued on Company's property or lease 498 76 

Gross premiums due and unreported on policies in ' 

force Dec. 31, 1877, 16,143 56 

Gross def. premium on policies in force Dec. 31, '77, 9,836 60 

Total, 25,980 16 

Deduct the loading on above gross amount, 5,196 02 

Net amount of uncollected and deferred premiums, 20,784 14 

Total assets $1,011,236 43 

ITEMS NOT ADMITTED. 

Company's own stock, 2,275 00 

Furniture, fixtures, and safes, 11,470 93 

Agents' balances, 7,314 20 

Loans on personal security, endorsed or not, 14,821 49 

Total, 35,881 02 

Total assets, (less items not admitted,) $975,354 81 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the 31st day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experience 
Table of Mortality, with four per cent interest, .... 633,102 00 

Deduct net value of risks of this Company re-insur- 
ed in other solvent companies, 2.984 00 

Net re-insurance reserve, $630,118 00 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due.. 3,794 00 

Claims for death losses and other policy claims resist- 
ed by the Company, 5,595 00 

Total policy claims, 9,389 00 

Unpaid dividends of surplus or other profits due policyholders... 820 51 
To cover any depreciation of values in real estate and mortgage 

or other securities there is reserved, 15,000 00 

Liabilities on policyholders' account 655,327-51 

Gross surplus on policyholders' account, 320,027 30 

Total liabilities, $975,354 81 



11AK1FOKP LIFE AND ANNUITY [NSUKANCJ 



•11 



976,864 Bl 

\ of all outstanding 
in foroc 1 1 or- 
ding to the Ai Dable of M 
tatity, with four an! a half per oent, interest,... 564,476 00 
All other lii 26,209 61 689,686 61 

•omit (885,669 8( » 



VII. EXHIBIT OF POLICIES. 
P( . I Additions in force at end of proeiout year. 

Number. 

1,782 

rment policies, LOO 

tier policies, 548 

irv additionn 






& during tin year. 

Number. 

Whole life policies 

Endowment policies 11 



\ed during the year. 

Number. 



Whole life poliei- 

: y additions,. 



U 



:,■ or. 

<il 

8 

All other policies 7- 



Amount. 




2,422,006 


DO 


110,128 


.Ml 


1,004,760 


00 




04 


8,641,168 04 


Amount. 




406,847 


00 


9,948 00 


Amount. 




23,000 00 


184 


78 


108 00 


18,629 


00 


128,000 00 



■lions ?>y Dinidi nde. 



iitions, 






.1 number and amount 

Deduct nui Id force 527 

and amount in force Dec. 81, 77,. 



573 84 



L68 66 
8,272,466 77 



during >},, y,ar. 

'int- 
By death 118 44 

104 117 00 

I 

liy lapse M 41,2 



42 



HARTFORD LIFE AND ANNUITY INSURANCE CO. 



By change and decrease, .' 147 229,303 37 

Not taken, 72 137,009 00 

Total terminated, 527 932,696 89 

Policies re-insured, 19 76,513 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount, 

Policies in force in Connecticut, Dec. 31, 1876, 329 497,116 00 

Policies issued during the year, 21 12,324 00 

Total, 350 509,440 00 

Deduct number and amount ceased to be in force, 35 54,794 00 

Total number and amount in force Dec. 31, '77,. 315 454,646 00 

Losses and claims on policies unpaid Dec. 31, 1877, 2 1,150 00 

Losses and claims on policies incurred during year, 3 4,250 00 

Total, 5 5,400 00 

Losses and claims on policies paid during year, 5 5,400 00 

Premiums collected, 11,221 0'> 

Scliedasle A — Real Estate oicned by the Company. 

Ileal estate in Hartford. 47,533 01 

" West Hartford, 36,454 20 

" Chicago, 7.485 33 

Other property in 111., 21,818 17 

' Louisiana, ' 1,300 00 

Total, ...$114,r,90 71 



ScSsetlwIe € — Loans on Collateral. 

Par value. Market value. Amt Loaned. 



Lewis Co., Mo., bond to Q. M. & P. R. R. 
Algona sch. dist. bds., Kossuth Co., Iowa, 
Mort. bd. on property in Warren ' ; 
Story 
'• " Jasper ';" 

Hartford Steam Boiler Insp. & Ins. Co,.. 

American Publishing Co. , 

St. Louis & So. Eastern Railway Co., 

Town of New Salem, McDonough Co., 111. 
Sch. Dist. bd., Atlantic, Cass Co. , Iowa,. 
Trust deed & bd. on prop, in Lee Co., 111. 



Stark 
Shelby 



Travelers Insurance Co., 

Security Co., 

American National Bank, 
First National Bank, 



500 00 

1,000 oo 

600 00 

400 00 

1,000 00 

1,600 00 

2,100 00 

12,000 00 

500 00 

500 00 

5,500 00 

1,500 00 

2,000 00 

1,000 00 

200 00 

2,000 00 

J, 000 00 

1,000 00 



500 00") 
1,000 00 
600 00 
400 00 
1,000 00 
2,200 00 
2,100 00 
5.400 00 
500 00 
500 0oJ 
5,500 00 "i 
1,500 00 I 



2,0UC 00 



1,000 00 j 

340 00] 

2,000 00 I 



1,300 00 ] 
950 00 j 



12,600 00 



10.000 00 



5,000 00 



Total, $34,400 00 $28,790 00 



127,600 00 



HARTFORD LIFE AND ANNUITY IN8URAN01 43 

PERSONAL 8EOURITIE8. 

l note of W. Griawold 1,260 ool 

: K. (1. Hastii 

qb | id, 8,600 » Becurad by oral lieu on 897 ■hara of 

1 note of O. Qriswold, 81 " f*ft»d W« arid Annuity Insurance 

dorsad by W. Griawold,... 400 00 Company rtock through a daoiaion of 

Imam, ohacka of W. Oris- ' the Snprame Ckmxt of the Stata of Oon- 

woi 99 ' naMaak 

$12,181 99 J 

Secured by clazins against estate of 
89 60 I « T vt i i 

} E. L. Kinyon, deceased, in course of 

I settlement. 
* 14,821 19 I 



vlicclnlo E — Stoeki and Bonds owned by tin Company. 

Par Value. Market Value. 

I 9 - 
l*. s. 6-20*8, coupon. 1867 8,600 00 8,679 88 

: — 

Jefferson County, Illinois 16,00 » 16,000 00 

l'.ANK BrOOKS : — 

tford, 21,600 00 30,42/5 00 

Home M Waal lieridan ."..con 00 6,000 00 

Hartford Life and Annuity Ins. Co., 8,600 on 2,275 00 

Jue $67,686 77 $49,600 00 $48,37!» :;*- 



44 PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



PHCENIX MUTUAL LIFE INSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, May, 1851. 

Aaron C. Goodman, President. John H. Holcombe, Secretary. 



I. CAPITAL. 

Capital stock paid up in cash, $100,000 00 

Amount of net or ledger assets December 31, 1876, $10,521,298 33 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 1,415,392 16 

Premium notes, loans or liens taken 

in part payment for premiums, 166,178 32 



Total, 1,581,570 48 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company 2,466 66 



Total premium income, ." 1,579,103 82 

Received for interest upon mortgage loans, 395,002 97 

Received for interest upon bonds owned and divi- 
dends on stock, 27,876^50 

Received for interest on premium notes, loans, or 
liens, 175,118 20 

Received for interest on other debts due the Com- 
pany, 7,826 20 

Received for rents for use of Company's property,. 2,043 93 

Received for profits on bonds, stocks, or gold actu- 
ally sold, 2,035 30 

Total income, 2,189,606 92 

Total, $12,710,905 25 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 657,936 09 

Premium notes, loans or liens used 
in payment of same, 57,609 76 






PHCRN1X MUTUAL LIFE [N8URAN0I COMPANY. ■!."» 

addrl oni 81,568 61 

nun notes, loans or lions mad 
in payment »>f bum '"'.71 I 

for 
losses Mini motored endowments, 

Paid f or surrendered poHoies, 88,880 89 

PnniiiiMi DOiOB, loans or liens iwd Ul purchase of 

enrreiidsre potteies, and roided by lapse 878,166 87 

sorrender values, inoloding reoonrertod addi- 

ppliod in payment of premiums 64,101 89 

Cash dividends paid feo polioyholdera and applied 

in poymont of premiums 282,874 71 

Premium notes, loans or liens need In payment of 

dividends to policyholders 56,606 12 

Xotel paid polioyholdera $1,604,978 19 

BfcOOkholdera t'<>r interest and dividends 6,000 00 

Paid for commissions to agents 97,898 06 

Paid for salaries and traveling expenses of man- 
agers of agencies, and general, special and local 

agents 60,474 04 

Paid for medical examiners' f res, 6,490 91 

Paid for salaries and other compensation of offl 

and office emp! \ — 15,771 94 

Paid for U. S. taxes and revenue stamps. (58.46, 
• and local taxes §61,780.98, taxes, licenses, 

fines and fees in other States $12,838.72 64,678 11 

: r OT [rent 10,666 <:t 

Paid for advertising 1,442 87 

Paid for the following items : — Hooks, blanks and 

- ,273.1 ".7, exchange $2,844.98, stamps 

£-.498, legal and law expenses $18,257.82, ex- 

7, profit and loss including 

.24 120,425 



Total 2,021.710 29 



194 :••; 



IV. 

H TB. 
| 

mostgsgfl Aral Uens _• 50 

Loans Beonred by pie Iga of i... ,, r other 

■ 

Cash in Coin pan 



46 PHCENiX MUTUAL LIFE INSURANCE COMPANY. 

Cash deposited in banks, 240,242 04 

Bills receivable, 48, 1 29 43 

Agents' ledger balances, 23,184 48 

Total net or ledger assets, $10,689,194 96 

Deduct depreciation from cost of assets, 2,420 50 



Total net or ledger assets, less depreciation, $10,686 774 46 

OTHEE ASSETS. 

Interest due and accrued on bond and mortgage loans, 258,541 09 

Interest accrued on bonds and stocks, 5 4.Q1 94. 

Gross def. premiums on policies in force Dec. 31, '77, 18,054 19 
Deduct the loading on above gross amount, 68,037 58 



Total, 86,091 77 

Deduct the loading on above gross amount, 17,218 35 

Net amount of uncollected and deferred premiums, 68,873 42 

Furniture, fixtures and safes, one-third of cost, 9,805 64 



Total assets, $11,029,396 55 

ITEMS NOT ADMITTED. 

Furniture, fixtures and safes, 9,805 64 

Agents' balances, 23,184 48 

Bills receivable, 48,129 43 



Total, 81,119 55 



Total assets, (less items not admitted), $10,948,277 00 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force, computed according to the Actuaries' or 
Combined Experience Table of Mortality, with 
four per cent, interest, 10,294,876 00 

Deduct net value of risks of this^Company re-in- 
sured in other solvent Companies, 4,138 00 

Net re-insurance reserve, 10,290,738 00 

Claims for death losses due and unpaid, S4,000 00 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due,... 234,574 00 
Claims for death losses and other policy claims re- 
sisted by the Company, 60,500 00 

Total policy claims, 329,074 00 

Due on account of salaries, rents and office expenses, 2,501 59 

Premiums paid in advance, :.... 42,614 04 

Special reserve, 50,000 00 

Liabilities on policy hoi ders' t account, 10,714,927 63 

Gross surplus on policyholders' account, 233,349 37 

Total liabilities, $10 ; 948,277 00 



PHCBN12 MUTUAL I. IKK [N8 COMPANY. 17 

S 

10,948,21 

. tluc of all outstanding 

tpnted aooord- 
ing to th< \ Dab! ■ of Mor- 

tality, with four ami a half per cut. Interest,... 9,681,525 00 

All other liabilities 424,189 68 l". 005, 71 1 68 



Surplus on polio; aoeonni 



VI. PREMIUM note ACt'orXT. 

na or liens on head Dee. 81, '76, 2,982,685 00 

K •:•. 1 during i!. lt'»(;.17> s 82 



Total 8,148,863 82 

Deductions during tin year at foUotoe: 

ins, or liens oeed in payment of losses end 

claims 64,854 1~> 

i in pnrehaee of surrendered 

policies, and voided by Lapse 378,156 27 

1 in payment of dividends 

to poUeyholders 53,606 42 

i, loans or liens redeemed by makei in cash 5,927 ;>.""» 



Total reduction of premium note account, 502,044 1!' 



Balance not t end of the year, $2,646,819 1". 



VH. EXHIBIT OF POLICIES. 

■ ■ > end of I is year. 

Number. Am. unit. 

Whole life policies 90,481 18,060,677 00 

7,270 9,112,25fl 

All ot' 24 ,.,) ,„, 

111. 



775 52,8 

Nn: 0UHt 

life poli-i.-s 2,461 



122 

Endo ■ 



48 PHOENIX MUTUAL LIFE INSURANCE COMPANY. 

Old Policies increased during the year. 

Whole life policies, 1 00^ qq 

Additions by dividends, G 505 00 

Total number and amount, 31,224 56,443 592 00 

Deduct policies ceased to be in force 5,745 12,544(526 00 

Total policies in force at the end of the year, . ...25,479 43,898,966 00 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount. 

By death, 354 767,820 00 

By expiry, 29 38,503 00 

By surrender, 445 975,234 00 

By lapse, 2,749 5,042,777 00 

By change and decrease, 1,637 4,321,060 00 

Not taken, 531 799,232 00 

Total terminated, 5,745 $12,544,626 00 

Polilies re-insured, 119,842 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31, 1876, 3,041 4,156,774 00 

Policies issued during the year,... 303 286,523 00 

Total, 3,344 4,44:1,297 00 

Deduct number and amount ceased to be in force, 447 798,882. 00 

Total number and amount in force Dec. 31, '77, 2,897 3,644,415 00 

Amt. of losses and claims on policies unpaid Dec. 31, '77 12 18,169 00 

Amt. of losses and claims incurred during year, 27 51,422 00 

Total, 39 69,591 00 

Amt. of losses and claims on policies paid during year, 28 50,636 15 
Premiums collected in cash, $166,689.57; notes or 

credits, $5,399.00, 172,088 57 

Schedule A — Real Estate owned by the Company. 

Real estate in Chicago, Illinois, 85,337 00 

Other property in Illinois, 59,400 00 , 

Indiana, 20,856 00 

" Wisconsin, 45,600 00 

Vermont, 2,000 00 

Michigan, 150,250 00 

New York, 4,315 00 

Total, • $367,758 00 



riUKNlx MUTUAL LIFE IN- COMPANY, 19 
Schedule <' Loam on OoilaUralo, 

Par Value. Marlo-I Value. Anil. I .< >:in<-<]. 
• .V Mis-ouri 
B R EL Hull. 

60,000 <> i 85,0 10 " I 85,0 K) 00 

..■at of mort- 
gage n->t... 1,200 00 1,200 00 1,06 

tls. $.-)!, L'oo oo *;it;,*_'oo oo ^:i«;, < >.-, - 1 no 



Schedule JE— Stock* and Bondt\ownod by the Company. 



Strr-'d 

coupons. 6'b, 1881 

Unregistered. 1891 

IffUHTOIPAL BOMM : — 

Diet «;'-. Hertford, Conn. 

Valley Palls Township 7's 

10'a 

Benton HerborendSt. Joseph School, 

I : — 

Indiana Central lo's. 

Trustees* Certificates So. Minn., 

- : — 

Charter Oak National. Hartford, 



.Ktna " 

■tenant '• 

rican " 

Farmers and M M ford... 
I lartford 

Mu-illion. Ohio , 

Toledo, Ohio 

D B l ; ' m] my, Hartford 

I : — 

Hertford <"ity <J<ts I 

Hartford. 



Par Value. Market Value. 

160,000 00 17o,4on no 

15,000 00 16,012 50 

T0,0i>o 72,625 oo 



to 00 
28,000 "0 
89,0 o oo 
12,000 oo 

00 oo 
50.000 oo 

20.0' I 
20,00 

8,500 00 
10,000 oo 
20,000 oo 

1 10 oo 

•_'o. ) 00 

10.000 oo 

10 oo 

|»0 00 

7,100 oo 

10.01 I 



107,50 

1 1,835 oo 

N) oo 

12,000 oo 

8,00o 00 

lo.ooo no 

25,400 > 

19,000 00 

1,285 oo 

1 1,500 oo 

00 oo 

87 00 

12,000 00 
9,960 oo 
5,000 oo 

14,200 <><> 
I0,0< 



Total cost value 1026,425 00 |615,8O0 00 > 

7 



50 RAILWAY PASSENGKRS ASSUHANCK COMPANY. 



RAILWAY PASSENGERS ASSURANCE COMPANY, 

Hartford, Conn. 

Commenced Business, February, 18G6. 

James G. Batterson, President. Charles E. Willard, Secretary.. 



I. CAPITAL. 

Capital stock paid up in cash, $300,000 00 

Amount of net or ledger assets Dec. 31, 1870, $475,337 90 



II. INCOME UUIUNG THE YEAR. 

Received for premiums without deductions for com- 
missions or other expenses, 82,242 58 

Received for interest upon mortgage loans, 6,655 22 

Received for interest upon bonds owned and divi- 
dends on stock, 19,268 45 

Received from other sources, 136 66 

Total, 108,302 91 

Total, $583,640 81 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 42,451 41 

Paid stockholders for interest and dividends, 27,000 00 

Paid for commissions to agents, 25,494 00 

Paid for traveling expenses of managers of 

agencies, and general, special and local agents... 2,840 81 

Paid for medical examiners' fees, and loss expenses 868 05 

Paid for salaries and other compensation of officers 

and employes, 17,100 24 

State and local taes in State where organized, 

$100.00, taxes, licenses, fines, and fees in other 

States, $5,674.08, 5,774 08 

Cash paid for rent, 1,000 00 

Cash paid for advertising, 2,880 03 

Paid for equipments, $661.38, agency and office 

expenses $1,603.93, returned premiums $5.73, 

freight and express $1,025.74, exchange and 

postage, $2,064.42, books, blanks and stationery 

$437.29, loss on sale of stock $13,252.04 19,050 53 

Total disbursements, 144,459 15 

Total, $439,181 66 



RAILWAY PA tS 183UKAN0K COMPANY. 51 

IV. U3SJ 

ra. 

ond and mortgage, (first liens) 86,000 00 

Oqel value of Km. is and stocks owned absolutely, as 

per8eheduls B 880,096 

I in Oompan; -.. 401 ci 

lepoeited in banks 81,888 19 

Non-reaiden1 tai 1,800 00 

Total net ox ladgi i $489,181 66 

OTHKK A- 

Mark.t value of bondfl and storks over cost as per Schedule E.,.. 8,198 <;i 
$441,880 80 



V. LIABILITII.v 

Net re-insurance reserve, (estimated. 1 15,000 00 

Claims for death losses and matured endowments in process of 

adjustment, or adjusted and not due 6,000 00 

Claims for death losses, and other policy claims, resisted by the 

company 14,000 00 

[^abilities on policy hold 36,000 00 

Gross surplus on polioyholders'aocount 406,880 30 

. liabilities £441,880 30 



VII. EXHIBIT OF POLICIES. 

Number. Amount 

New policies issu. 177,882 o.V.^'.^oOO 00 

numbers and amounts in force at the end of the 

1,841 4,023,000 00 



VIII. BUSINESS IN CONNECTICUT IN 

Losses end claims on policies paid during the year 3 

Premiums collected, cash, 918 86 



S< I;«'(!i: < 

• JOS. ' Value. 

: — 

I (X) 
l.'MII 1." 



52 KAILWAY PASSENGERS ASSURANCE COMPANY. 

Par Value . Al arket Value. 
Municipal Bonds : — 

Hartford City, 10,000 00 10,700 00 

Norwich City, Connecticut, 10,000 00 10,300 00 

Chicago Water Loan, 10,00Q 00 10,000 0o 

Railroad Bonds : — 

Southern Minnesota, 10,000 00 7,000 GO 

North Missouri, 10,000 00 10,350 00 

Mil. & St. Paul, 10,000 00 10,700 00 

Lake Shore, 1,000 00 1,080 00 

Dub. & Sioux City, 10,000 00 10,300 00 

Hartford, Providence & Fishkill 5,000 00 5,400 00 

Buffalo, New York & Erie, 20,000 00 21,650 00 

Railroad Stocks : — 

New Fork, New Haven & ITartford, 25,000 00 38,250 00 

C, R. I. & P 10,000 00 10,025 00 

Bank Stocks : — 

Shoe and Leather National, New York, 6,600 00 7,788 00 

American Exchange " " 10,000 00 10,550 00 

Merchants " " 8,000 00 6,400 00 

Fourth " " 8,000 00 7,840 00 

City, Hartford, 20,000 00 18,200 00 

Hartford Trust Company, 11,300 00 9,605 00 

Connecticut Trust Company, 15,000 00 12,000 00 



Total cost value, $330,096 86 $314,400 00 $332,295 50 






TRAVELERS INSUHANi \NY. 



TRAVELERS [NSURANCE COMPANY, 

Sabtvobd, Conn. 

Oommenoed Business. July, It 
James G. Batterson, rrt^dtitt. Rohm y Dxmns, BuTtUliry, 



LIFE DEPARTMENT. 

Amount of net or ledger assets December 31, 187*;, $2,680,667 06 

II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses 499,673 35 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company 3,609 01 



Total premium income, 488,064 34 

Received for interest upon mortgage loans, 170,744 53 

Received for interest on bonds owned and divi- 
dends onstock, 33,390 00 

Received for interest on other debts due the Co.,... 1,121 36 
Received as discount on claims paid in advance,.... 388 73 
Received for rents for use of Company's property,. 2,488 78 
Received for profits on bonds, stocks, or gold actu- 
ally sold, ^3 80 



Total income, 706,781 64 



Total. 



III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and addition * 146,161 98 

Pai'l for attend endowments aud 

add/ 18,600 00 



Total amount artully paid for 

losses and matured MlllowmCMltl 

Cash paid to annuitants 1,16 

Cash p 1 1 

Total paid policyholders %\\ 



54 TRAVELERS INSURANCE COMPANY. 

Paid for commissions to agents, 42,289 97 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 
agents, 15,616 30 

Paid for medical examiners' fees, 9,645 26 

Paid for salaries, and other compensation of of- 
ficers and other office employes, 14,005 12 

Taxes, licenses, fines and fees in other States 4,144 54 

Paid for rent, 200 00 

Paid for advertising 16,393 78 

Paid for the following items, viz : — Books, blanks 
stationery $1,706.59, express charges $168.71, 
loss expenses $1,877.83, expense $3,273.11, ex- 
change 624.57, postage $1,990.22, profit and loss 
$5,024,80, 14,665 83 

Total disbursements, 292,737 56 

Balance, $3,094,551 03 



IV. ASSETS. 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A., 447,925 18 

Loans on bond and mortgage, (first liens,) [2,033,883 23 

Cost value of bonds and stocks owned absolutely as 

per Schedule E 552,917 54 

Cash in Company's office, ; ; 925 93 

Cash deposited in banks, 58,596 87 

Agents' ledger balances 302 28 

Total net or ledger assets, $3,094,551 03 

Deduct depreciation from cost of assets, 84,972 72 

Total net or ledger assets, less depreciation, $3,009,578 31 

OTHER ASSETS. 

Interest due and accrued on bond and mort. loans,... 130,556 78 

Less amount due more than six months, 34,389 53 96,167 25 

Gross pi-emiums due and unreported on policies in 

force Dec. 31, 1877, 53,316 75 

Gross def. premium on policies in force Dec. 31,j'77, 62,182 25 

Total, 115,499 00 

Deduct the loading on above gross amount, 23,099 80 

Net amount of uncollected and deferred premiums, 92,399 20 

Total assets $3,198,144 76 

ITEMS NOT ADMITTED. 

Agents' balances, 302 28 

Total assets, (less items not admitted,) $3,197,842 48 



. WK1.KKS [N8URAN0K OOMPAN V. 

v. LIABILITIES 

Reserve t'or indemnity contracts of life polioies, 

Ins of nil the outstanding polioies in 
on the 31st day of Deo. i s ". computed as- 
cot ' tuariea* or Oombined Experienoe 

tality, with four per oen1 interest 2,786,984 00 

:" this I oiupiny re-insur- 
ed in other sorrenl oompeniee 24.419 00 

■ re-insuranoe n 9,761,67) 00 

Claims for death loot Lnnpaid 4,000 00 

me for death losses snd matnred endowments in 
pfooonn of adjustment, or adjusted and oof due., 85,425 00 
Claims for death losses and other policy claims resist- 
ed by tin 2,600 

Total policy claims, 41,92o 00 

polioyhold nit 2,810,997 »'<> 

Gross surplus on policyholders' aooounl 

kal liabilities |8,197,842 18 



'■!>/ Oj Count -f'r'/t, 

3.1 97,84 

Liabi. present value of all outstanding 

policies in force Deo. 81, i>77. eomputed accor- 
ding to the American Experience Table of Mor- 
tality, with four and a half per cent, interest,... 2,499,758 00 

All other liabilities 49,425 00 8,549,1$ 

Surplus on policyholders' account $i; 



VII. EXHIBIT OF POLICIES. 

/' 

Number. Amount. 

&e policies, - i»;.: 

I, 

All other policies II-.; 

1 19,1 1 •;.:;'.•! 00 

Nik; Amouuf. 

I. 

Endowniei 

All oti 40 



56 TRAVELERS INSURANCE COMPANY. 

Old' Policies revived during the year. 

Whole life policies 26 41,650 00 

Endowment policies, 4 3,500 00 

Total number and amount, 13,216 22,974,162 00 

Deduct policies ceased to be in force, 2,208 4,283,979 00 

Total policies in force at the end of the year,. ...11,008 $18,690,183 00 

Policies Re-insured during the year.. 

Number. Amount. 

Whole life policies, 48 139,625 00 

Endowment policies, 1 750 00 

Total re-insured, 49 140,375 00 

Number and amount of policies which have ceased to be in force during the year 

Number. Amount, 

Bydeath, 75 143,745 00 

By expiry, 16 42,000 00 

By surrender, 60 86,709 00 

By lapse, 1,178 2.283,600 00 

By change and decrease, 482 1,052,050 00 

Not taken, 397 675,875 00 

Total terminated, 2.208 $4,283,979 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31st 1876 564 935,067 00 

Policies issued during the year, 143 257,272 00 

Total, 707 1,192,339 00 

Deduct number and amount ceased to be in force, 121 247,991 00 

Total number and amount in force Dec. 31, '77,. 586 $944,348 00 

Number. Amount 

Amt. of losses and claims on policies unpaid Dec. 31, '76, 2 4,000 00 

Losses and claims on policies incurred during year, 6 6,570 00 

Total, 8 $10,570 00 

Losses and claims on policies paid duiing year, 7 $,570 00 

Premiums collected, 48,580 28 

Schedule A — Real Estate owned by the Company. 

Real estate in Hartford, Conn., 50,000 00 

11 in Chicago, 111., 61,000 00 

Other property in Illinois, 95,200 00 

" in Indiana, 142,600 00 

" in Wisconsin, 10,640 00 

U in Missouri, 5,175 00 

Total, $364 615 00 



rftAVSLIKS INBURANCK OOMPAKT. 57 



ACCIDENT Dl-:i*AKTJll]TIT. 



I. CAPITAL. 

U il ttook paid up in cash 1600,000 00 

Amount of mI or ledger iMtti Deoembei 81, 1876 #1,007,810 86 



II. INCOME DURING THE YEAR. 

I d for premiums without de- 
dnotions for commissions or other 

expenses, 718. 984 B2 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company, 968 -20 



Total premium income 718,061 02 

Received for interest upon mortgage loans, 15,708 70 

Received for interest upon bonds owned and divi- 
dends on stock 49,171"21 

Received for interest on other debts due the Com- 
pany 1,484 01 

Received as discount on claims paid in advance, .... 4<>1 23 
Received for rents for use of Company's property. . 69fl 60 
Received for profits on bonds, stocks, or gold actu- 
ally sold, 1,906 4«, 

Total income 786,833 83 

$1,884,144 79 



III. DIBBUBSBMBNTS DURING THE Yi:.\l< 

Paid for losses and additions, 809,800 66 

Total paid poliryh< *lders fft (2,1 M ».< '•■< 

Paid stockholders for in' 72,000 00 

Paid for coram I 162,890 19 

Paid for salari.--. and traveling expense! of man- 
agers of agencies, and general, >p<-eial Mid local 

agents, 

Paid for n] ttOO of ofl 

and office employes. 

198.77, 
senses, fines and f« des 



Paid for rent, lera | .'-ocired and* r sub- 
leas* 

3 



58 TRAVELERS INSURANCE COMPANY. 

Paid for furniture and fixtures and safes for home 

and agency offices, 2,543 94 

Paid for advertising, 19,021 49 

Paid for the following items: — Books, blanks and 
stationery $9,310.72, express charges $3,492.27, 
loss expenses $17,010.74, expense $6,139.71, ex- 
change $084.29, postage $9,072.50, profit and 
loss $14,005.74, 00,370 03 

Total disbursements, 772,719 05 

Balance, $1,111,425 14 

IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 15,045 15 

Loans on bond and mortgage (first liens), 257,032 79 

Loans secured by pledge of bonds, stocks, or other 

mai'ketable collaterals, as per Schedule C, 25,000 00 

Cost value of stocks and bonds owned absolutely as 

per Schedule E, 782,597 37 

Cash in Company's office, 1,059 37 

Cash deposited in banks. 25,982 04 

Bills receivable, 2,397 75 

Agents' ledger balances, 1,710 07 

Total net or ledger assets, $1,111,425 14 

Deduct depreciation from cost of assets, 9,512 02 

Total net or ledger assets, less depreciation, $1,101,913 12 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 15,005 45 

Less amount due more than six months, 3,800 00 11,200 45 

Interest accrued on collateral loans, 437 50 

Total assats $1,113,557 07 

ITEMS NOT ADMITTED. 

Agents' balances, 1,710 07 

Bills receivable, 2,397 75 

Total, \ 4,107 82 

Total assets, (less items not admitted) $1,109,449 25 

V. LIABILITIES. 

Net present value of all the outstanding policies in force Dec. 

31, 1877, computed according to the Company's own Table,.... 198,514 67 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due,... 49,500 00 



rKAYKLBBfl IN8URANCE COMPANY. 

Claims for death looses mid other policy claims | 

j tin- Company 11, (mid 00 

1 policy ilaimi 68,500 00 

uta and office expenai 5,000 <><> 

T.i-.ii ilil :• ^holders' account 267,014 67 

: p lus on policyholders' account, v 12, 184 58 

Total liabilities. $1,109,449 25 



VII. EXHIBIT OF POLICIES. 

Poli<*ii* and Ad'} it t'<< tint ofthi previous year. 

Number. Amount. 

Accident policies. 84,809 96,992,200 00 

New PeUeies issued during the year. 

Number. Amount. 

Accident policies 89,090 107,585,088 00 

: .1 number ami amount 78.899 204,527,288 00 

Deduct policies ceased to be in force, 40, 6 Hi 11 3,. 5S. 5,5 75 00 

1 • .1 policies in force at the end of the year, . ...32,783 90,941,708 00 

N tber and amount of Policim which hate teased to he in force during year. 

Number. Amount. 

By deith 76 177,826 00 

By expiry 40,541 113,408,250 00 

Total terminated 40,616 8113,585,575 00 



VIII. BUSINESS IN CONNECTICUT IN' 1877. 

Number. Amount 

Policies in force in Connecticut, Dec. 31, 1876 8,249 8,075,355 00 

Policies issued dining the year 1,127 8,562,000 99 

I 4,876 12,527,855 00 

Deduct number and amount ceased to be in force, -i. 1 16 9,508,155 00 

and amount in force Dec. 81, '77, 3,<>; 
Amt. of losses and claims on policies paid during y- 

Premiums collected, 19,9 



TIhiIiiD A- /-any. 

Real estate in Chicago, 111 12,975 '.'1 

1,400 00 

Sundry expenses upon property in proeeM of I 

969 24 

rote] .. 115,6 



60 



TRAVELERS INSURANCE COMPANY. 



Schedule C— Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Soldier Township bonds, Kansas, 18,000 00 15,300 00 \ i; „ 

Jefferson " " 18,000 00 15,300 00> 



Total, $36,000 00 $30,600 00 $25,000 00 



Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

United States bonds, 6's, of 1881, 43,000 00 47,117 50 

" 5-20's, 304,000 00 329,840 00 

Connecticut, 10,000 00 10,900 00 

Tennessee, 32,000 00 12,090 00 

Virginia, 26,100 00 16.965 00 

Municipal Bonds : — 

Elizabeth City 10,000 00 9,000 00 

Chicago Water Loan, 20,000 00 21,400 00 

Topeka City 40,000 00 30,000 00 

Indianapolis City, 10,000 00 10,000 00 

Oswego City, 10,000 00 10,400 00 

Des Moines School District, 15,000 00 15,000 00 

Railroad Bonds : — 

Lake Shore and Michigan Southern, 1,000 00 1,080 00 

Inpianapolis and Cincinnati, 13,000 00 11,700 00 

Chicago and North- Western, 10,000 00 10.800 00 

Milwaukee and St, Paul 10.000 00 10,600 00 

Keokuk and Des Moiues, , 9,660 00 5,879 00 

New York, Providence and Boston, 10,000 00 11,500 00 

Hartford, Providence and Fishkill, 18,000 00 19,440 00 

Detroit. Monroe and Toledo, 20,000 00 21,400 00 

Buffalo, New York and Erie, 30,000 00 32,100 00 

Railroad Stocks : — 

New York, New Haven and Hartford, 60,000 00 95,400 00 

Bank Stocks : — 

Farmers' and Mechanics' Nat. Hartford, 27,200 00 30,736 00 

American " 30,000 00 39,000 00 

City " 20,000 00 18,200 00 

Phoenix " 43,500 00 65,250 00 

JEtna " 10,000 00 12,000 00 

Mercantile " 20,000 00 23,000 00 

Hartford *« 56,000 00 84,000 00 

First " 5,000 00 4,5.00 Oo 

Charter Oak M 6,900 00 8,763 00 

National Exchange " 15,000 00 19,800 00 

New Britain National, New Britain, 10.000 00 12,000 00 

Thames " Norwich, 20,000 00 28,000 00 

Metropolitan " New York, 7,500 00 10.125 0C 



LAVJCLER8 1N8URANCK UOMPANT. 61 

Par N'a'iu.-. Mark-t \ nine. 

Amerioaii Exchange National, Hen York L0,000 00 10,600 00 

Merahanta* Bxenange " B,000 00 5,400 00 

N\'\v York 10,000 00 9,000 00 

■I National, Lafaystta 10,000 00 16,000 00 

\ Atonal Bank of iho Ckxnmonwaalth, Boston,... 10,000 00 10,600 00 

- : — 

Bail* ly • Lnmanoa Co., 166,000 00 166,000 00 

Hartford Trad Company. Sartford 12,000 00 10,900 00 

Conn. Trust and 8afe Deposit Oo., Bartford,, ... 80,000 00 16,000 00 

B irity Company, Hartford 5,000 00 6,000 00 



Total cost varao $1,886,614 91 |1, 31 8,860 00 1 1,826, 



CO-OPERATIVE SOCIETIES, 



CONNECTICUT MUTUAL BENEFIT COMPANY, 

New HaVen, Conn. 

Assets January 1st, 1877 5,526 13 

Iteceived in 1877, 

Annual dues, 3 00 

Other sources, 5 87 

Total $5,535 00 

EXPENDED IN 1877. 
Paid for filing statement, 10 00 

Balance, $5,525 00 

ASSETS. 

Bills receivable, 2,260 00 

Fixtures, 409 03 

Due from agents, 2,855 97 

Total, $5,525 00 

LIABILITIES. 

Due to agents and others, 2,319 46 

W. F. Burke 51 00 

E. E. Cabot, 83 00 

H. C. Maben, 18 00 

Jacob Moulter, 30 00 

Assessments in advance. 66 CO 2,567 46 

Assets over liabilities, $2,957 54 



tPCKAl IVK SOCIETIES 

NUMBER OF 0BBT1FI0ATB8 IN FORCE DEO. 81, 1871 

m One, 7 

rwo 4 

18 

v 10 

•• B «; 

10 

Total 50 

This Company takes no new bxUBl 






MUTUAL BENEFIT LIFE COMPANY. 



SaBTVOBD, Conn. 

Subscribed stock $100,000 00 

Amount paid op 14,000 00 

RECEIPTS. 

Assets December 81, 1876 6,808 18 

ReceivrJ for preminiBfl 687 20 

MMMmenfa »88 21 

unnuiil dues 1..".7^ 59 

bills receivable. 119 <io 

capital stock 80 00 

112,408 48 

DISBURSEMENTS 

Paid for death I 8,011 

commissions, 1,091 69 

rent 150 00 

706 72 

incidental expenses 1,982 6,497 41 



Cosh on band, 

Dm from agents and others 

Hills receivable on hand, 7 77 76 

Office furniture, 

94.951 84 



64 CO-OPERATIVE SOCIETIES. 

LIABILITIES. 

Death losses, 1,039 00 

Advance assessments, , 1,510 35 

Personal account, 1,853 48 4,402 83 

Surplus of assets over liabilities, $549 01 



NUMBER OF POLICIES IN FORCE DEC. 31, 1877. 

Members, 

Division Police, 106 

" Union plan 520 

" Mutual plan, 399 



*S5\ 









LIFE INSURANCE COMPANIES 
OE OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1877. 



COMPANIES OF OTHER STATES. 



EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 

STATES, 

New Yokk City. 
Commenced Business, July, 1 8 
Henry B. Hyde, President. Samuel Borbo we, Secretary. 

Attorney in Connecticut, Philip Pond, New Haven. 



I. CAPITAL. 

Capital stock paid up in cash $100,000 00 

Amount of net or ledger assets December 31, 187<J, $30,410,719 90 

II. INCOME DUBING THE YEAR. 
Received for premiums without de- 
duction for commissions or other 
expenses 7,060,468 88 



I • 7,067,288 78 

Deduct amount ] 

ranni on potiefc 
thfc Company 



Total premium income, 

I ; • '.iL- Iotas, 1,077,1 

Received for inteimi <>n I Iivi- 

dends on stock. 

Received for interest on other debts due th 



68 EQUITABLE LIFE ASSURANCE SOCIETY. 

Received for rents for use of Company's property, 286,144 03 
Received for profits on bonds, stocks, or gold ac- 
tually sold, 16,593 77 



Total income, 8,921,028 11 



Total, $39,337,748 01 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 1,923,535 98 

Paid for matured endowments and ad- 

tions, ,. 150,591 54 



Total amount actually paid for 

losses and matured endowments, 2,074,127 52 

Paid to annuitants, 25,708 40 

Paid for surrendered policies, 1,389,274 47 

Cash dividends paid to policyholders, 1,745,106 37 

Paid stockholders for interest or dividends 7,000 00 

Paid for commissions to agents, 344,845 64 

Paid for salaries and traveling expenses of man- 
agers of agencies and general, special and local 

agents 41,999 06 

Paid for medical examiners' fees 46,021 15 

Paid for salaries and other compensation of officers 

and other office employes, 258,158 91 

Paid for taxes, revenue stamps, licenses, fines and 

fees, 95,699 55 

Paid for rents, 105,775 32 

Paid for cammuting commissions, 12,600 00 

Paid for advertising, 59,638 05 

Paid for the following items /-Printing, stationery, 
law, postage, express, investment, building, 
agency, office, official examinations, and sundry 

expenses, 252,912 25 

Special contingent fund for possible depreciation in 

value of real estate, 322,897 09 

Depreciation in United States Bonds, 77,932 36 



Total disbursements, 6,859,756 14 

Balance, » $32,477,991 87 

IV. ASSETS, 

AS PEE LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 6,286.744 94 

Loans on bona and mortgage, (first liens), 13,723,218 44 

Loans secured by pledge of bonds, stocks and other 

marketable collaterals, as per Schedule C, 1,953,206 00 

Cost value of bonds and stocks owned absolutely, 

as per Schedule E, 9,067,482 38 



KQU1TABLB I. IFF. A8SURANCK SOCIkTY. 69 

•n Company's ottoa 61,861 58 

Cash deposited in bunk* B92,185 87 

I in curs.' of lnosmlssloii slyed)., ... 183,298 IS 

I ate' ledger bslsnoei 287,247 B6 

Commoted oommiMioDi 108,781 7t 

a net or 1< its §82,477,991 B7 

OTKBI ken i ■. 

Interest due and iOOrned on bond ami mortgage loans, '_' 7 •;,.".<>•_' '_".) 

Interest doe end loomed on bonds an. 1 stocks, 17,624 ."-7 

Interest dm- and loomed on |oollateraJ loans, <fcc 20,899 62 

Rents due and loomed on Company's property or lease, 7<;. 1 18 12 

- premiums due ami unreported on policies in 

force Dec, 81,1877, (leas proms, paid in advance) 7 ( .»,41S 00 

- def. prms. on policies in force Dr. :'.l, 1 S77, .">7S.si;o oo 

ksl 658,278 00 

Deduct the loading on above gross amount, 181,656 00 

N,t amount of uncollected and deferred premiums 526,622 00 

Premium on gold on hand, 2,910 18 

Total assets, 83,898,999 20 

ITEMS NOT ADMITTED. 

Commute. ] commissions, 108,751 74 

Agents' Halauces 287,247 

Total 840,999 59 

Total, rjon items not admitted.) £83,057,999 61 



V. LIABILITIES. 

resent value of all the outstanding policies in 
Eons on the Sis! dsy of Deo. 1877, oompnted ac- 
cording to the Actuaries <>r Combined Expert' 
•■!•• of Mortality, with four per cent, in- 

28,681,218 00 

el, on th losses due end nnpsid 28.288 00 

Clsims f oi MS in prooeea of sdjostment, or 

toe 416,768 00 

inn for destli l os s si ind i kher polioj claims re- 
sisted by the Oonwsny BO,600 



525,540 i o 

| 
:.• r Habiir • |gj « 

.i.ilities on i obeys Id 

oss snrpfan on policyholders 1 ■ 



- 



61 



70 EQUITABLE LIFE ASSURANCE SOCIETY. 

VII. EXHIBIT OF POLICIES. 



Policies and Additions in force at end of previous 

Number. 

Whole life policies, 41,350 

Endowment policies, 7,047 

All other policies, 339 

Reversionary additions, 



48.736 



New Policies issued during the year. 

Number. 

Whole life policies, 5,237 

Endowment policies, 428 

All other policies, 125 . 

Old Policies revived daring the year. 

Number. 

Whole life policies 716 

Endowment policies, 98 

All other policies, 5 



Amount. 

146,423,532 00 

21,331,118 00 

974,290 00 

4,321,750 00 



173,050,690 00 



Amount. 

13,554,136 00 

1,401,952 00 

251,580 00 



Amount. 
5,164,950 00 
325,500 00 
28,000 00 



Reversionary additions, , 



Additions 



Dividends. 



Total number and amount, 55,345 

Deduct number and amount ceased to be in force, 8,596 

Total number and amount in force Dec. 31, '77,. 46, 749 



1,986,675 00 

193,763,483 00 

32,942,067 00 

160,821,416 00 



Number and amount of policies ichich have ceased to be in force during the year. 

Numbe 

By death, 526 

By expiry 

By surrender, 

By lapse 

By maturity, 

Not taken, 

Additions, 



Total terminated, 



Number. 


Amount. 


526 


1,989,247 00 


8 


16,500 00 


2,671 


11,191,415 00 


4,327 


14,200,240 00 


48 


140,210 00 


1,016 


3,297,995 00 




2,106,460 00 


8,596 


32,942,067 00 



VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount, 

Policies in force in Connecticut, Dec. 31, 1876, 633 2,237,385 .00 

Policies issued during the year, 74 197,705 00 

Total, 707 2,435,090 00 

Deduct number and amount ceased to be in force, 94 355,745 00 

Total number and amount in force Dec. 31, '77,. 613 2,079,345 00 



EQUITABLE L1FI ASSURANCE SOCJKTY. 



71 



Nunih.T. .nut. 

Losses ami ebrima on poHotoi unpaid Deo. 81, 1876 8,600 00 

i and claims oo polieioa incurred during year, Q 100 <>o 

J 9 17,000 00 

Losses and clnims on policies paid during year - 26,000 00 

Premiums ooMeot e d 204 18 



Schedule A— B med f>y the Company. 

Real estate in New York City, Co's building,... 4,076,000 00 

44 other property.... l'.»7. 772 58 

in Boston, Oo'sbnnoh office, 1,100,000 00 

Brooklyn, 159,867 87 

New Jersey, 710,278 77 

Missouri 28,681 71 

14 | Illinois 18,948 88 

Indiana, 1,760 00 

Total, 8«.28G,744 94 



Schedule C — Loans on Collateral. 

Par value. Market value. Amt Loaned. 

Brooklyn City stock, 8,000 00 9,280 00 7,000 00 

United States 5-20's, 2,000 00 2,000 00) 3,000 00 

6's, 1881, 1,000 00 1,068 76J 

5-20's 1,000 00 1,050 25 1,000 00 

" 1,000 00 1,050 26 1.000 00 

L881, 2,000 00 2,110 00 2,000 00 

1040*1 60,600 00 53,437 60 60,001 

100,800 on 108,191 87 100,000 00 

44 160,600 00 164,840 02 160,000 00 

" 100,000 oO 106,000 00 100,000 00 

50,200 00 61,648 75 60.000 00 

7,000 00 7,468 75 7,000 00 

100,000 00 102,875 00 100,000 00 

800,000 00 809,000 00 

- 186,000 00 189,910 00] 

1 P<r cent, bonds 66,000 00 <:<;.7li' -"»' » » 

I40* a 250,000 00 257,187 50 

260, I 250,1 

4 par cent, bonds 106,000 00 106,181 25 100,0 

(Ml 

25, 

.ntile Saf. 176 I 

■ x \ >j • 



72 EQUITABLE LIFE ASSURANCE 'SOCIETY. 

Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6's, 1881, 560,000 00 598,500 00 

" 5-20's, 3,540.000 00 3,660,332 50 

" 10-40's, 600,000 00 641,250 00 

" 4£ per cent, bonds, 300,000 00 310,850 00 

" 4 per cent, bonds, 500.000 00 510,812 50 

Virginia 6's, 37,986 00 17,470 91 

South Carolina 6's 28,750 00 17,250 00 

Municipal Bonds : — 

City of New York, 1,373,500 00 1,474,250 00 

k < Brooklyn, 136,000 00 162,520 00 

" Rochester, 50,000 00 58,250 00 

" Buffalo 58,382 18 61,009 19 

Town of Little Valley, New York, 5,000 00 5,320 83 

" Sharon " 11,500 00 11,902 50 

" Yonkers " 5,000 00 5,175 00 

11 Greenburgh " 8,000 00 8,31145 

Bank Stocks : — 

Mercantile Trust Co., New York, 1,487,100 00 1,524,277 50 

Total, cost value, $9,067,482 38 $8,701,218 18 $9,067,482 38 



OIRMANIA LIFK INSURANCE COMPANY. 78 



GERMANIA LIFE INSURANCE COMPANY, 

New York City. 

Commenced Business, July 10, 1866. 

Hugo Wbsendoxck, PrtU'dtnt. Cornelius Doremus, Secretary. 

Attorney in Conntcticut, Maier Zunder, New Haven. 



I. CAPITAL. 

Capital stock paid up in cash, $200,000 00 

Amount of net or ledger assets December 31, 1876, $7,440,925 32 



II. INCOME DU1UNG THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses 1,299,827 11 

Cash received for annuities, 800 00 



Total premium income, 1,300,627 11 

deceived fur interest upon mortgage loans, 389,919 08 

Received for interest on bonds owned and divi- 
dends on stock 117,612 (10 

Received as discount on claims paid in advance,.... 124 83 

Received for rents for use of Company's property,. 25,248 86 

Policy fees $186.98, Cash dividend returned 06.60, 143 48 



Total income, 1,888,676 96 



Total, |9 9 874 y 601 28 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 569,282 20 

Paid for matured endowments and 

additions, 78,966 17 



Totel amount actually paid for 

looses and matured endowments 649,8) 

Cash paid t<> annuitants I <)<> 

tor oniTODdotod poHaii 886,461 88 

Cash Kurrender . idfi- 

tfaMML tppHod in poymeol of ths promtaflM, 

Total paid poU .* 1, 167,461. 79 

10 



74 GERMAN! A LIFE INSURANCE COMPANY. 

Paid stockholders for interest and dividends, 24,000 00 

Paid for commissions to agents, 104,486 83 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 

agents, 40,135 27 

Paid for medical examiners' fees, 9,419 94 

Paid for salaries, and other compensation of of- 
ficers and other office employes, 64,519 00 

Taxes, licenses, fines and fees in other States, 17,100 54 

Paid for rent and expenses of real estate owned,... 24,034 23 

Paid for commuting com missions,. 6,230 62 

Paid for furniture and fixtures and safes for home 

and agency offices,. 642 26 

Paid for advertising and printing, 9,198 81 

Paid for the following items, viz : — Stationery, post- 
age, expressage etc, including increase of agents' 

balances, etc. , 17,758 78 

Total disbursements, 1,484,988 07 



Balance, $7,789,613 21 

IV. ASSETS. 

AS PEE LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A., 782,527 6C> 

Loans on bond and mortgage, (first liens,) 4,790,242 18 

Loans secured by pledge of bonds, stocks or other 

marketable collaterctls, as per Schedule C, 160,000 00 

Cost value of bonds and stocks owned absolutely, as 

per Schedule E 1,99.5,577 59 

Cash in Company's office, : 593 16 

Cash deposited in banks, 60,672 67 

Total net or ledger assets, $7,789,613 21 

Deduct depreciation from cost of assets, 85,243 39 

Total net or ledger assets, less depreciation, $7,704,369 82 

OTHER ASSETS. 

Interest due and accrued on bond and mort. loans, 60,217 16 

Interest accrued on bonds and stocks, 20,263 87 

Interest accrued on collateral loans, $375.00, accrued on depos- 
its in bank, $95.00, 470 00 

Market value of bonds and stocks over cost, as per Schedule E., 5,042 41 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 61,182 79 

Gross def. premium on policies in force Dec. 31, '77, 228,292 95 

Total, 289,475 74 

Deduct the loading on above gross amount, 57,895 15 

Net amount of uncollected and deferred premiums, 231,580 59 

Total assets, ,,.... $8,021,943 85 



QBRMANIA LIFI INSURANCE COMPANY. 

v. LlA'dl.l lir.s. 

Net present value of all the outstanding policies in foros on the 

.-.I-' -;:. oomputo (1 according to the A ituaries 1 or 

ibln< l Bxperi of Mortality, with four per oent 

interest 7,434,928 00 

Claims for death louses due and unpaid 5,866 42 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due.. 74,167 l'o 
Claims for death losses and other policy claims resist- 

7,608 97 

Icy claims. 87,GJl' 59 

Unpaid dividends of surplus, or other description of "profits due 

86,619 59 

Amount of National, State, or other taxes due, 580 00 

Amount due on account of salaries, rents and office expenses, 1,666 <i7 

ml of any other liabilities, extra reserve fir absolute world 

and war policies, and policies lapsed liable to be surrendered,. 1 1,789 ">l 

policyholders' account 7,." ) 7i;,l > -1 86 

Gross surplus on policyholders' account, 445,722 1!» 

Total liabilities, $8,021,948 85 



VII. EXHIBIT OF POLICIES. 

Policus and Additions in force at end ofpreoiout year. 

Number. Amount 

Whole life policies 15, ,885,970 00 

Endowment policies, 4,486 6,810,848 00 

All other policies, 171 410,000 00 

20,296 184,056,818 00 



■ <i during t 

Number. 

life policies 1,011 

men! policies 950 

All other policies 

/ during th< y< <//•. 

Number. 

11 



All o 1 

01 p 



Amount 
1,517,876 00 
1,241,416 00 

8Il,fi 



..it. 
jo 00 






76 



GERMANIA LIFE INSURANCE COMPANY. 



Additions by Dividends. 



Number. 



Whole life policies,... 
Endowment policies, . 



Total number and amount, 22,346 

Deduct policies ceased to be in force, 2,696 



Amount. 
55,956 00 
10,719 00 

37,134,487 00 
4,317,192 00 



Total policies in force at the end of the year,.. ..19,650 $32,817,295 00 



Number and amount of policies which have ceased to be in force during the year 

Number. Amount, 

Bydeath, 342 578,917 00 

By expiry, 41 84,074 00 

By surrender, 1,258 1,993,108 00 

By lapse, 846 1,288,913 00 

By change and decrease, 2 25,447 00 

Not taken, 207 346,733 00 

$4,317,192 00 



Total terminated, 2.696 



VIII. BUSINESS IN CONNECTICUT IN 1877. 



Number. 

Policies in force in Connecticut, Dec. 31st 1876 85 

Policies which have ceased to be in force during year, 34 



Total number and amount in force Dec. 31, '77,. 51 

Number. 

Losses and claims on policies incurred during year, 1 

Losses and claims on policies paid duiing year, 1 

Premiums collected, 



Amount. 
144,708 00 
36,733 00 

$107,975 00 

Amount. 

2,000 00 

2,000 00 

4,628 70 



Schedule A — Real Estate owned by the Company. 

Real estate in New York City,,.... 399,500 00 

'• Brooklyn, 57,500 00 

" Hoboken, N. J., 6,000 00 

" Berlin, Germany, 234,284 27 



Total, $697 284 27 



Schedule C — Loans on ^Collaterals. 

Par Value. Market Value. Amt. Loaned. 

United States 6's, 5-20's, coupon, 127,000 00 130,492 50 127,000 00 

" 1881, registered 16,000 00 17,040 00 16,000 00 

" " coupon, 17,000 00 18,615 00 17,000 00 



Totals, $166,000 00 $166,147 50 



1160,000 00 



r.KKMAMA LIN LN8URAK0I company. 77 
Schedule i: - ; llmrfs aimed htj (he Company. 

P.ir V;i!u.-. Mnrkft Vahii'. 
I ' B fa >OKS : — 

Uixr 1 50, 00 50,61 

11, Den Ion 680,000 00 669,260 00 

- . registered 160,000 00 167,876 00 

10-40*1, registered 87,000 00 105 00 

fr-JOe, rag 47,000 00 '•_' 60 

1867 188,000 00 192,607 60 

1866, coupon 80,000 00 81,660 00 

1867, coupon 40, 00 100 00 

1868, coupon 6,000 00 5, M 

18 I, registered 72,000 00 

Virginia - red, old, 16,000 001 

*' " new, 16,000 OOJ 

Mississippi Auditors' warrant, 0's 10,000 » 00 

vkL, Bonds : — 

York Cit; .ole 18S0, 113,000 00 116,260 00 

l v > 27.000 00 10 00 

" 7's accumulated debt, reg. I>s7,. 60,000 00 64,600 00 

1885,. 50,000 00 64,000 00 

•• Dock, 1001, 60,000 00 00 00 

M Improvement stocks, 188'), 50,000 00 65,000 00 

• Park end Water, 1900,1902, 75,ooo 00 85,500 00 

" Consolidated stock, 1800, .. 100,000 00 114,000 00 

New York County. 7's. Assessment fund 1887,... 25,000 00 27,260 00 

Brooklyn City 6*8, permanent Water L. 1886 15,000 00 15 600 00 

7's. Park Loan, 1915. 1918, 107,000 00 121,980 00 

M 7 's. Water Loan, coupon 191 o 28,000 00 81,920 00 



9,000 00 



Total cost value $1,095,577 50 $1, '.'01,000 00 $2,000,020 00 



78 HOME LIFE INSURANCE COMPANY. 



HOME LIFE INSURANCE COMPANY, 

Brooklyn, N. Y. 
Commenced Business, May 1, 18G0. 
Geokge C. Bipley, President. Jos. P. Holbkook, Secretar 

Attorney in Connecticut, Philip Pond, New Haven. 



I. CAPITAL. 

Capital stock paid up in cash, $125,000 00 

Amount of net or ledger assets December 31, 1876, $4,558,400 40 



II. INCOME DUBING THE YEAB. 

Beceived for premiums without de- 
duction for commissions or other 
expenses 434,724 05 

Premium notes, loans or liens taken 

in part payment for premiums, 135,477 46 



Total premium income, '. 570,201.50 

Beceived for interest upon mortgage loans, 94,427 93 

Beceived for interest on bonds owned and divi- 
dends on stock, '. 91,778 00 

Beceived for interest on premium notes, loans, or 

liens, , 64,649 29 

Beceived for interest on other debts due the Co.,. . 18,105 56 



Total income during the year, 839,162 29 



Total, $5,397,562 69 



III. DISBUBSEMENTS DUBING THE YEAB. 

Paid for losses and additions, 212,017 32 

Premium notes, loans, or liens, 

used in payment of same, 15,782 68 

Paid for matured endowments and 

additions, 38,031 86 

Premium notes, loans, or liens, used 

in payment of same, 11,968 14 

Total amount actually paid 

for losses and matured endowments, 277,800 00 



HOME LIFK [N8URANOK i\>\il\\\ 

Paid to annuitants 1,617 17 

1 16, 19 

Premiam d - of liana ased in pn I 

snrrendered policies, ind voided by lapse 182,790 

. dividends pan! bo policyholders 81,03 

Premium i<>t,s. loans or liena ased in payment of 

dividend 88,979 98 

.1 paid polioyholdera |648,404 95 

Paid stockholders for Interest and dividends 15,000 00 

For oommj ts 17. oil r_' 

Paid for traveling oagers of 

1 local agents,.. l<>.7r.» 40 

Paid for medica] ezsminan 2,95(1 60 

Paid f and other compensation of officers 

and 27,615 lo 

Paidf ad fees ::.7^:: :»i 

Paid f>>r rent of agencies and agency charges 9,849 .';'.> 

I dd for advertising 74<; 83 

Paid for the following items ■ Printing, stationery, 

lew, postage and office exj I7,75fi 61 



kal disbnrsements 868 U 

ance Dec. 81, 1877, £4,614,194 55 

IV. ASSETS, 

AS PER LEDGE P. ACCOUNTS. 

aneneumbered, as per Schednle A 192,687 IS 

on bond and mortgage, 1,476,566 00 

ired b^ pledge of bonds, stocks and other 

marketable collaterals, as per Schednle 861,150 I 

Premium notes. l«>a: - • in force, 960,470 82 
. line <.f i.'.- i >wned absolute]] 

perSehednleE 1,547,115 <;<> 

:iv's office and bank «i7.71 

Agent i 12 



Total net or ledger assets #4,61 I. i 

est due an 1 on bond and mo -i m 

• st due and aceru. 1 on bond- :; ( ;: 

Interest due and accnn 1 on < ;; -j~ 

■■\i-<\ on preminni notes or liens 

•)'.•.■_ 
Grow i 

for. 7( 

Gross def | fore- D« • 81,1877, 24,12/i II 





Dedtu ve gross amount. i 

f uncollee' 



80 HOME LIFE INSURANCE COMPANY. 

ITEMS NOT ADMITTED. 

Agents' Balances, 8,489 12 



Total, (less items not admitted,) $ 4,778,163 59 



V. LIABILITIES. 

Net present viilue of all the outstanding policies in 
force on the 31st day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experi- 
ence Table of Mortality, with four per cent, in- 
terest, . 3,893,606 00 

Claims for death losses in process of adjustment, or adjusted and 

not due, 4,500 00 

Claims for death losses and other policy claims resisted by the 

Company, 13,000 00 

Unpaid dividends of surplus or other profits due policyholders... 2,495 52 

Liabilities on policyholders' account, 3,913,601 52 

Gross surplus on policyholders'account, 864,562 07 

Total liabilities, $4,778,163 59 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 1,074,514 72 
Received during the year, 135,477 46 

Total, 1,209,992 18 

Deductions during the year as follows : 
Notes, loans or liens used in payment of losses and 

claims, 27,750 82 

Notes, loans or liens used in purchase of surrendered 

policies, and voided by lapse, 132.790 56 

Notes, loans or liens used in payment of dividends to 

policyholders, 88,979 98 

Total reduction of premium note account, 249,521 36 

Balance note assets at end of the year, $960,470 82 

VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies, 8,413 17,047,722 00 

Endowment policies, 1,520 2,846,905 00 

All other policies, 13 5,000 00 

Reversionary additions, 3,117 00 

Total number and amount, 9,946 19,902,744 00 






DOM I LIPS INSURANCE COMPANY. M 

I during th< fear. 

Number. Amount. 

Whole life policies 711 00 

Endowment policies 7."i 118,647 00 

All other polioi. 1 1. do 

I during i 

Numl'iT. Amount. 

Whole life polioiaa 7 9,000 <>o 

Endowment policiefl .". 4,000 00 

Additions by Dividends^ 

nonary additions 556 00 

' Dumber and amount 10,748 21,811,277 00 

I number and amount ceased to be in force, 2,818 4,510,870 oo 

I number and amount in force Dec. 31, '77,. 8,425 16,800,407 00 

/ to be in force during tin fear. 

Number. Amount. 

By death ll<: 227,800 00 

By expiry iM 50,000 00 

By surrender. 1,681 8,190.820 00 

By lapse. 321 BOO 00 

By change and decrease ; 7.l'ik» 00 

ken 236 4<;.\7^D 00 

Total terminated 2,318 4,510,870 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount, 

Policies in f..rc-- in Connecticut, Dec. 31, 187G, 301 663,600 00 

Policies issued during the year. 12 26,464 00 

: 408 690,064 00 

t number and amouut ceased to be in force, l'o' 54,500 on 

I number and amount in force Deo. 81, '77,. :;77 <;.;.">. 564 on 

Nam Amount. 

Losses and . policies unpaid Dec. 31, 187C, 1 00 00 

Losses and claims on policies incurred during year, 3 I 00 

1 4 11,000 oo 

Losses and claims on policies paid during year, 4 11,o<H)00 

dmna eoUeoted, il\;. 

S<li4<!ill< A—Iteal Entate oick { 7ompanf. 

Rea York City 162,400 00 

" in Brooklyn. 16,000 oo 

in : 6,909 19 

in . . N. J 

Brooklyn, : 

$192,687 13 

11 



82 



HOME LIFE INSURANCE COMPANY. 



Schedule C— Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Brooklyn City R. R. Co., 5,110 00 9,709 00 5,000 00 

Nassau National Bank, 2,000 00 2,800 00} 

Brooklyn " 1,500 00 1,950 00^- 1,750 00 

" City Gas Co., 1,250 00 2,000 Oo) 

Union Trust Co 10,000 00 10,500 00) 9 400 00 

Home Fire Insurance Co., N. Y., 3,000 00 3,180 00 > 

N. Y Gas Co., 2,350 00 2,820 00 2,500 00 

Brooklyn Gas Co., 1,200 00 1,920 00) 

Nassau Gas Co., Brooklyn, 600 00 450 00 > 2,S00 00 

Certif. " " 350 00 350 Oo) 

Manufacturers National Bank, 3,000 00 3,060 00 2,000 00 

U. S. 5-20's, 2,500 00 2,628 00 2,500 00 

Nassau National Bank, Brooklyn, 2,500 00 3,500 00 2,000 00 

Central Trust Co., N. Y., 50,000 00 50,000 00) 

Reg. Del. & Hudson Canal Co., 50,000 00 47,250 00 ) 

Brooklyn City Gas Co., 32,100 00 51,360 00\ 

German American Insurance Co., 5,000 00 5,000 00- 50,000 00 

Brooklyn Trust Co., 10,000 CO 8,000 00) 

Central Trust Co., , 15,000 00 15,000 00 12,500 00 

Shoe and Leather Bank, N. Y., 2,500 00 3,250 00 2,500 00 

Home Fire Insurance Co., 12,500 00 13,250 00 10,000 00 

Mechanics Bank, Brooklyn, 6,250 00 9,063 00 5,000 00 

Central National Bank, N. Y., 90,300 00 90,300 00) 

Fourth National Bank. N. Y, 28,500 00 28,500 00) ' 

Nassau National Bank, Brooklyn, 2,000 00 2,800 00) 

Shoe and Leather Bank, N. Y., 2,500 00 3,125 00) 

Mechanics Bank, Brooklyn, 2,000 00 2,290 00 2,000 00 

Albany & Susquehanna R, R., 4,000 00 4,320 00"] 

U. S. Bonds, '67s, 16,500 00 17,346 00 I 

" '81s, 10,000 00 10,638 00 [ 39,000 00 

Cert. Gold Check, 9,000 00 9,180 00 j 

Brooklyn City Bond 1,000 00 1,060 00 1,000 00 

" Gas Co., 2,250 00 3,600 00 1,200 00 

U. S. Bonds, '67s, 2,000 00 2,103 00 2,000 00 

" " 4s, 30,000 00 30,300 00 30,000 00 

Total, $418,760 00 $452,602 00 $361,150 00 



Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks :— 

U. S. 5-20Bonds, 814,000 00 853,065 00 

Municipal Bonds : — 

Brooklyn Park Bonds, 328,000 00 380.480 00 

» City " 180,000 00 190,800 00 

Kings County " 156,000 00 169,000 00 

Total cost value, $1,547,115 60 $1,478,000 00 $1,593,345 00 



BOMCBOPATHIG ICUTUAL LIFE INSURANCE 00, 



BOM(EOPATHIC MUTUAL LIFE [NSURANCE COMPANY, 

Oommenoed Business, July 18, 18< 

D. D. 1 'it. Fbamx J}. Mayiilw, S r r)-(t<wy. 

Attorney in I it, Horace Pukdy, Danbury. 



I. CAPITAL. 

Capital stock paid up in cash, $200,000 00 

Amount of net or ledff December 31, 1870, $032,882 24 



II. INCOME DU1UNG THE YE.YK. 

Keeeived for premiums without de- 
ductions for commissions or other 

1 72,765 16 

Premiums paid by dividends, includ- 
ing reconverted additi< •: 
by surrendered poll K)7,.. 89,188 68 



Total 211,91 

Deduct amount paid to other Compa- 
nies for re-insurance on poiioJ 

Company 






Total pri-miuin income 211,846 70 

tred for interest upon mortgi 21,499 ~>\ 

apon bondi owned and divi- 
dends on - 1 ; 

• 



Received for interest on other debts due the Oonv 



Keceived f 



Total income, 









84 HOMOEOPATHIC MUTUAL LIFE IJNiSUKANCE CO. 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 44,550 00 

Deduct amount received from other 
Companies for losses or claims on 
policies of this Company re-insured 8,000 00 

Total amount actually paid for 

losses and matured endowments, 36,550 00 

Paid for surrendered policies, 89,107 19 

Cash rebates paid to policyholders, $10,501.97 ; 

same applied in payment of prems., $3,770.03 , 14,278 GO 
Total paid policyholders, $ 1 39, 935. 79 

Paid for commissions to agents, 8,738 17 

Paid for salaries and traveling expenses of man- 
agers of agencies, and general, special and_local 
agents, 27,3G0 59 

Paid for medical examiners' fees, 1,615 28 

Paid for salaries and other compensation of officers 

and office employes, 12,268 00 

Paid for State and local taxes in State where organ- 
ized, $83.70 ; taxes, licenses, fines and fees in 
otherStates, $1,569.59, 1,653 29 

Paid for rent, 2,200 00 

Paid for commuting commissions, 2,908 76 

Paid for advertising, 1,904 36 

Paid for the following items : — Printing and sup- 
plies $3,781.17, postage and exchange $2,454.23, 
expense acct. $5,352.38, other acct. $135.50, 11,723 28 

Profit and loss account, 8,992 73 

Total disbursements, 219,300 25 



Balance, $666,487 34 



IV. ASSETS, 

AS PEE LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 40,651 99 

Loans on bond and mortgage (first liens), 322,896 97 

Loans secured by pledge of bonds, stocks, or other 

marketable collaterals, as per Schedule C, 14,250 00 

Loans made in cash to policyholders on this Com- 
pany's policies assigned as collateral, 12,230 20 

Cost value of stocks and bonds owned absolutely as 

per Schedule E, 263,380 62 

Cash in Company's office, 240 13 

Cash deposited in banks, 12,302 17 

Agents' and other ledger balances, 535 26 

Total net or ledger assets, $666,487 34 



BOMOtOPATHIG MUTUAL LIFI LNBURANOl 

nd rod bum u, 

Interef I on bonds and ro 88 

i on OoUatl r.il loans 

Interest eoaraed on praminm notes, loans or liana ] 15 68 

d Oompany'a property at 

'•;«• «.f bonda and atooka orar ooat, aa par BehsdnL 1,16 

inma due and imraported on polioiefl in 

9,048 ns 

rrad pramroma on polioiefl in faros I 
28,588 84 

Total 82,476 42 

Deduct the loading on abore groaa emoanf 6,495 28 

amount of imooUeeted or deferred preinimna g] 14 

700,2* 

ITEMS NOT ADMITTED. 

1 other ledger balances 586 26 

Tot not admitted) $699,768 95 

V. LIABILITIES. 

•sent value of all the outstanding policies in 
force Deo. 81, 1877, computed according to the 
aries' or Combined Experience Table of Mor- 
tality, with four per cent, interest 659,586 00 

Deduct net value of risks of this Company re-insur- 
ed in other solvent Companies, 2,922 00 

re-insurance reserve, 656.614 00 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not (hie 8,014 <»<) 

Claims for death losses and other policy claims re- 

•d by the' 1,000 

|4 QQ 

inma paid in ad ;■» is 

to guard a- tion of aaaeta, b 
amount to conform to appi i of 
val a fork Inanranee Department 82,416 :•:» 

lilities on poli I j- 

.: plus on p«>lic\h<<ld> . 

Total Hal : 



VII. EXHIBIT OF POLK 

••int. 



86 HOMCEOPATHIC MUTUAL LIFE INSURANCE CO. 

Endowment policies, 763 959,533 00 

All other policies, . 80 181,000 00 

3,270 5,539,569 00 

New Policies issued during the year. 

Number. Amount. 

Whole life policies, 741 1,232,281 00 

Endowment policies, 150 157,289 00 

All other policies, 79 150,500 00 

Old Policies revived and increased. 

Number. Amount. 

Whole life policies, 5 8,275 00 

Endowment policies, 2 750 00 

Total number and amount, 4,247 7,088,664 00 

Deduct policies ceased to be in force, 1,290 2,306,644 00 

Total policies in force at the end of the year, . ... 2,957 4,782,020 00 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount. 

By death, 15 39,142 00 

By expiry, 19 48,500 00 

By surrender, 403 783,709 00 

By lapse, 438 662,250 00 

By change and decrease, 49 107,066 00 

Not taken, 366 665,977 00 

Total terminated, 1,290 $2,306,644 00 

Policies Re-insured. 

Number, Amount. 

Whole life policies, 7 28,000 00 

Endowment policies, 2 1,846 00 

Total, 9 29,846 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31, 1876, 392 483,429 00 

Policies issued during the year, 65 65,138 00 

Total, 457 548,567 00 

Deduct number and amount ceased to be in force, as 

corrected by removals, 98 126,037 00 

Total number and amount in force Dec. 31, '77, 359 422,530 00 

Amt. of losses and claims on policies paid during year, 1 1,000 00 

Premiums collected. 15,926 77 



HOMCBOPATHIC MUTUAL UFl INSURANCE OO. "7 

^«*li('«liil<> \ owned ■'■// th* Company. 

e in New i'ork City 8,020 00 

*• Brooklyn 4,754 77 

\ 9tafc other property, 900 00 

:;i/'77 22 

Total $40,661 99 



Schedule C— Loan* on Collateral. 

Tar value. Market value. Aint Loaned. 

1,000 00 1,076 00 1,000 00 

1867 1,000 00 1,076 00 1,000 00 

Fifth National bank stork 2,600 00 8,126 00 2,51 

:\X Fire Insurance Co 1,000 00 1,800 00 660 00 

Hamilton Fire Insur. \ 00 1,710 00) 

Whitehill Manufacturing Oo 2,500 00 2,600 00 '• i ' ,,n> (,<) 

Positive Motion Loom Co.. 6,000 00 5,000 oo' 

Assignment of bond and mortgage, 2,000 00 2,000 00 1,601 

Total, - - --» 00 $14,260 00 



Schedule M£—btoek$ and Bonds owned by the Company. 

• Par Value. Market Value, 

Stocks : — 

-; ■■'- i46,ooo oo i.").".i5o oo 

wrrreney 60,000 00 72,600 00 

::ai. BoUM ! — 

Town of York, 5,000 00 5,1( 

44 Somerset. 14,000 00 14,01 

I ' " 11,000 00 11,000 00 

•" " 6,600 00 6,6t 

Village of Edgewater, -> loo oo 100 00 

$3 - (41,70 I <"» $264,52 






88 JOHN HANCOCK MUTUAL LIFE INSURANCE CO. 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

Boston, Mass. 

Commenced Business, Dec. 27, 1862. 

George Thornton, President. George B. Woodward, Secretary. 

Attorney in Connecticut, S. E. Baldwin, New Haven. 



Amount of net or ledger assets Dec. 31, 1876, $2,608,1)03 37 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 236,700 00 

Premium notes, loans or liens taken 

in part payment for premiums, 45,421 23 

Premiums paid by dividends, inclu- 
ding re-converted additions, $29,- 
635.42 ; by surrendered policies, 
$42,486.06, 72,121 48 



Total, 354,333 70 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company, less $38.50 divi- 
dends thereon, 714 57 

Total premium income, 353,619 13 

Received for interest upon mortgage loans, 03,753 07 

Received for interest upon bonds owned and divi- 
dends on stocks, 36,028 84 

Received for interest on premium notes, loans or 

liens, 19,295 30 

Received for interest on other debts due the Co.,.. 7,014 17 

Received as discount on claims paid in advance,.... 035 04 

Received for rents for use of Company's property, 3,572 16 

Total income, 515,117 80 



Total, $3,184,081 17 






JOHN HANCOCK MUTUAL MlK INSURANCE 00, 

HI. DISBURSEMENTS DURING THE \ i: a k. 

Paid for losses ami additions 189,212 

Premium notes, loana or liana need 

Uk payment of same, 10,807 71 

Paid for matured andowmenta and 

addil 77,426 66 

Premium notea, loans or Hens oaed 

in payment of sama 81,764 s 7 

:;tl amount actually paid for 

ind matured endowments, 248,714 05 

Cash; 1.772 00 

far aorrendered polieiea 4,086 74 

Premium note*, loans or li--us used in purchase of 

aorrendered policies, and voided by lapse 3o,sos ;»; 

irren ler values, including reconverted addi- 

18, applied in payment of premiums, 42,866 88 

Cash dividends paid to policyholders, 98,471.98; 

..•■ applied in payment of premium, $29, 266.09, 32, 7.38 02 

Premium notes, loans, or liens used in payment of 
dividend 18,296 18 

. J paid policyholders $879,271.09 

Paid for commissions to agents, 22,740 68 

Paid for salaries and traveling expenses of man- 
agers of agencies and general, special and local 
agents 39,066 12 

Cash paid for medical examiners' fees, 5,805 90 

Paid for salaries and other compensation of officers 

and other office employes. 28,570 24 

Paid for State and local taxes in State where organ- 
ized, $1,1 08, fiueBand fees in 
other St . 4,899 82 

Paid for rent, (less $2,874.98 received under sub- 
leas.. 10,668 70 

Paid for furniture and fixtures and safes for home 

and agen 618 78 

Paid for advertiaing 5,118 65 

Paid for the following items : Traveling expenses, 
$1,:; .".'-:».7'; : stationery, $1,- 
postage, $653.80; legal expenses. $8„ 
418.19; incidental, >5. 16,728 88 

kal disbursements, 512,878 81 

Balance, $8,671,709 

IV. ASSETS, 

AS 

Real estate unencumbered 118,621 44 

Loans on bona and mortgage, (first liana 

L2 



90 JOHN HANCOCK MUTUAL LIFE INSURANCE CO. 

Loans secured by pledge of bonds, stocks, or other 

marketable collaterals, as per Schedule C, 48,050 00 

Premium notes, loans or liens on policies in force, 303,404 27 
Par value of bonds and stocks owned absolutely, 

as per Schedule E 749,500 00 

Cash in Company's office 1,127 44 

Cash deposited in banks, 15,754 91 

Bills receivable, 2,248 81 

Agent's ledger balances, 10,235 08 

Loans on personal security, , 1,500 00 

Commuted commissions, 1,865 91 



Total, 2,671,702 86 

Deduct depreciation from cost of real estate, 4,263 93 

Total net or ledger assets, less depreciation, $2,667,438 93 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 39,426 09 

Interest due and accrued on bonds and stocks, 15,706 92 

Interest accrued on collateral loans, 969 98 

Interest due and accrued on premium notes, loans, or liens, 11,469 05 

Rents due on Company's property, or lease, 1,960 78 

Market value of bonds and stocks over par as per Schedule E.,... 28,680 00 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 31,749 58 

Gross deferred premiums on policies in force Dec. 

31, 1877, 39,075 11 

Total, 70,824 69 

Deduct the loading on above gross amount, 14,164 94 



Net amount of- uncollected and deferred premiums, 56,659 75 



Total assets, $2,822,311 50 

ITEMS NOT ADMITTED. 

Commuted commissions, 1,865 91 

Cash advanced to, or in the hands of officers or 

agents 4,354 13 

Agents' balances, 5,880 95 

Loans on personal security, endorsed or not, 1,500 00 

Bills receivable, 2,248 81 



Total, 15,849 80 



Total assets (less items not admitted,) $2,806,461 70 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force Dec. 31, 1877, computed according to the 
Actuaries' or Combined Experience Table of Mor- 
tality, with four per cent, interest, 2,514,507 00 



JOHN HAN. itai. LIFE ENSURANOE 00, 91 

value of ri^ks of this oompany re-lnanr- 
■ored in other solvent Companies i. 840 00 

Net re-insurance reserve 9,518,167 00 

Premium obligations in exoeea of the net value of tht>ir polieii 166 86 

Claim* for matured endowment due end unpaid,.. 640 00 

Claims for death lossoe in prooeee <>f adjustment, or 

adjoeted end not dne 24,866 00 

Chums for do.it h losses, aiul other policy claims, 

ieted bj the Company 7,715 00 

.1 policy claims 83,610 00 

Unpaid dividends of surplus, or other description of profits duo 

policyholders 11,908 4l 

Amount due on account of rent, 1,000 ()() 

Premiums paid in advance 1,105 23 

Liabilities OD policyholders' account, 2,660,806 90 

Gross surplus on policyholders' account, 246,166 80 

Total liabilities, $2,80G,4G1 70 



VI. PKEMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, 70, 311,015 1)8 
si ved daring the year, 46,421 23 

Total, 38C,4G7 21 

Deductions during the year as follows : 

. loans, or liens used in payment of losses and 

claims o2,07li 01 

. loans or liens oaSd in purchase of surrender- 
ed policies, and voided by lapse 30, 80S 7( ; 

. loans or liens used in payment of dividends 

to policyholders 18,296 13 

Hens redeemed by maker in cash. . I.sl'O 45 

Notes, loans or liens entered in excess of proper 

amount and afterwards returned, 58 !»'.» 

• .1 reduction of premium note account, 88,062 :»! 

Balance note asset* at end of the year ! l'7 



VII. LXIIIBIT OF TOLICIKS. 

Number. Amount 

Whole Hfe potto* 8,779 8,187,688 00 

Endov. I 

All oth L, 8, 1 



92 JOHN HANCOCK MUTUAL LIFE INSURANCE CO. 

New Policies issued during the year. 

Number, Amount. 

Whole life policies, 848 1,629,942 00 

Endowment policies, 145 241,905 00 

All other policies, 174 588,600 00 

Old Policies revived during the year. 

Number. Amount. 

Whole life polilies, 52 124,500 00 

Endowment policies, 13 25,000 00 

Total number and amount, 8,570 16,524,126 00 

Deduct number and amount ceased to be in force, 1,180 2,226,847 00 

Total policies in force at end of the year, 7,390 $14,297,279 00 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount. 

By death, 62 147,957 00 

By expiry, 819 1,410,853 00 

Bysurrender, ' 35 61,937 00 

By change and decrease, 97 210,000 00 

Not taken, 167 396,100 00 

Total terminated, 1,180 $2,226,847 00 

Policies Re-insured. 

Number. Amount. 

Whole life policies, 4 30,000 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31, 1876 185 240,981 71 

Policies issued during the year, 30 49,356 00 

Total, 215 290,337 71 

Deduct number and amount ceased to be in force, 24 38,240 00 

Total number and amount in force Dec. 31, '77, 191 252,097 71 

Number, Amount. 

Losses and claims on policies paid during year, 2 1,240 00 

Premiums collected in cash, $4,767.90 ; notes or credits, $1,322, 6,089 90 

Schedule A— Real Estate owned by the Company. 

Real estate in Boston, Mass, 75,888 37 

Other property in Mass., 17,400 94 

New York, 9,577 36 

" Indiana, 9,587 51 

Other property, 1,167 26 

113,621 44 
Less depreciation deducted by the Co., 4,263 93 

Total, $109,357 51 



JOHN HANCOCK MUTUAL LlFI WSURAN 

Selicrinle ('- Loam an OoUai&rai. 

tine. Ami. Loaned 

Wichita & Sooth WeeternB EL7i 7,000 00 i. ■">•"■ 

Atohiaon, Topeh Fa K. K. 00 5,422 50 10,000 00 

" lain! j-rant 7s. 8,000 00 8,44(3 76J 

Union Pacific R. K. linking fond Be,.. 25,000 00 22,87/5 00 20,000 00 

. K.i;. ;s 1,000 00 1,105 00 800 00 

20,600 00 20,600 00 12,000 00 

lahoo Oonnl 1880 8,000 00 8,090 00) 4 COO 00 

•• 1887, 1,000 00 1,080 <><>> 

Atch... To. a Banta FeRR. land grants 1,000 00 816 

Pueblo A Arkansas Valley, 1906 1,000 00 820 00 - 1,260 00 

V. B 17 100 00 108 25) 

Total f68,600 00 $62,765 76 $48,060 00 



Schedule E— Stock* and Bondi owned by the Company. 

Par Value. Market Value. 
State St o c ks : 

afasnaohnnetta Gold, 6a 100,000 00 110,000 00 

[pal Bonne : — 

y«hoga Connty. O.. 7a 10,000 00 10.47.". 00 

"ion " In.l.. 7s 10,000 00 10,600 00 

City of Lynn 6a I.00O 00 1,066 00 

44 M 10,000 00 10,700 00 

44 00 8,240 00 

44 Salem Gs, 5,000 00 5,400 00 

44 1 1,000 00 1,025 00 

1,000 00 1,025 00 

44 Cambridge 6s 2,000 00 2,140 00 

44 Albany 6s, .->.<>< 5,060 00 

5,000 00 5,250 00 

• Cincinnati 7 8-10f 10,000 00 10,800 00 

•• I 00 5,175 00 

44 »' 00 50 00 

•• < :• . 10,(1(1000 10,560 00 

'• Evaatville 7a 6,200 00 

• I 7,000 00 7,210 00 

15,000 00 15,460 00 

11,000 00 J], 770 00 

Rui.boai) Bonn : — 

Phila., Wilmington A Baltimore reg. 6e, 7,000 7,2* 

. ago, Burlington A Qnfau 20,000 00 21,9 

nnonJ m OC 1,86 

Ogdensbnrg <k Lake Champlain Cm 

Illi- 20, I 00 

1.: 

10 00 00 



94 JOHN HANCOCK MUTUAL LIFE INSURANCE CO. 

Par Value. Market Value. 

Cedar Rapids & Missouri River 7s, 15,000 00 15,187 50 

Jackson, Lansing & Saginaw 8s, 10,000 00 9,300 00 

Boston & Providence 7s, 25,000 00 28,250 00 

Boston & Albany 7's, 75,000 00 86,250 00 

Vermont Central 8s 1,000 00 370 00 

Boston & Albany G's, 45,000 00 47,925 00 

Nashua & Rochester 6s, 25,000 00 23,125 0C 

Lowell & Andover 6s, 20,000 00 20,100 00 

Notes of Old Colony R. R, 6s, 50,000 00 50,000 00 

" Boston & Providence R. R. 7s, 50,000 00 50,000 00 

" " '' " 38,000 00 38,000 00 

Railroad Stocks : — 

Boston & Maine, 5,000 00 4,825 00 

Vermont & Canada, 12,000 00 1,800 00 

Bank Stocks : — 

Tremont National, 5,000 00 5,387 50 

New England National, 10,000 00 13,300 00 

Continental " 7,000 00 7,000 00 

Boylston " 3,500 00 4,130 00 

Washington " 10,000 00 13,200 00 

Miscellaneous : — 

N. E. Mortgage Security Co. 7s, 5,000 00 5,275 00 

Boston Gas Light Co. 6s 25,000 00 25,500 00 

Newton & Watertown Gas Light Co. 6s, 20,000 00 20,600 00 

Total cost value, $771,807 87 $749,500 00 $778,180 00 







MANHUTAN l.IKK [N8URAN0K C0MPA1 95 



MANHATTAN LIFE [NSURANCB company, 

New Yokk City. 

I business, August 1. L850. 
Hent.y Sro . lent Jacob L. II alsey, 8eCTi tun/. 

Att'-rnnj in ' it, EL It. Hayden, East Hartford. 



I. CAPITAL. 

Capital stock paid up in cash, 9100,000 00 

Amount of net or ledger assets December 31, 1876, (9,564,887 75 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 1,076,744 04 

Premium not or liens taken 
in put payment fox premium- B7,078 f>0 

Cash received for annuities 5,667 00 



Total premium income, 1,169,889 64 

Received for interest upon mortgage loans, (in- 
cluding 154,275.4 - in cost of real estate,) i .si 

Recei and divi- 
der 7:;,'J71 61 

: on premium notes, loans or 

turns, A" 180,888 ">7 

'. ana the Com- 
pany, temporary loans, 56,685 85 

1 .id in advance, 

rty,, "> i,\ 

Recei tota- 

allysold 

;>ense account. 



Total income, I. 

Total, ,|.; , ;; 



96 MANHATTAN LIFE INSURANCE COMPANY. 

III. DISBURSEMENTS DURING THE YEAR, 

Paid for losses and additions, 569,768 08 

Premium notes, loans or liens used 

in payment of the same, 45,770 92 

Paid for matured endowments and 

additions, 43,989 24 

Premium notes, loans or liens used 

in payment of the same, 14,124 76 



Total amount actually paid for 

losses and matured endowments, 673,653 00 

Cash paid to annuitants, 5,364 50 

Cash paid for surrendered policies 177,136 87 

Premium notes, loans, or liens used in purchase of 

surrendered policies, and voided by lapse, 161,561 74 

Cash dividends paid to policyholders and applied 

in payment of premiums, 271,260 81 

Premium notes, loans or liens used in payment of 

dividends to policyholders, 19,177 61 

Total paid policyholders $1,308,154.53 

Paid stockholders for interest and dividends, 55,000 00 

Paid for commissions to agents, 102,055 85 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 

agents, 9,806 73 

Paid for medical examiners' fees, 8,182 00 

Paid for salaries, and other compensation of of- 
ficers and other office employes,. 70,930 27 

Taxes, licenses, fines and fees in other States. 15,987 01 

Paid for rent, 14,500 00 

Paid for commuting commissions, 272 58 

Cash advanced to Agents to be repaid out of 

future commissions,.... 1,270 24 

Cash paid for advertising, 12,204 86 

Cash paid for law, agency and office expenses, 19,645 80 

Cash paid for expenses on real estate, 29,430 24 

Reductions in assets reported last year, 15,801 80 

Total disbursements, 1,663,241 94 



Balance, $9,682,501 09 



IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A., 780,555 25 

Loans on bond and mortgage, (first liens.) 4,339,168 77 

Loans secured by pledge of bonds, stocks or other 

marketable collaterals, as per Schedule C. , 1,181,076 21 



MANHATTAN LIFE INSURANCE COMPANY, ( .»7 

b or liens on poUoiea In force,. 1,889,818 99 

' . Joe of boi i absolutely, as 

per I.2i 

Gash u I 10 

I deposited in banks 2ft,5?8 7;J 

i . l ; i 85 

il net or I 9,682,601 09 

Deduct depreciation from oost of iaaeta 41,681 n 

rassecs, leas depreciation 9,640,919 ir> 

OTHEll ASSETS. 

» and accrued on bond and mortgage loans, 197,966 '.»< 

Inten 4,168 16 

Interest doe and acoraed on oollateral loans, 12,816 62 

Inten i premium] as or liens 9,865 97 

duo and acoraed on Oompany'a property, or lease 38 31 

Ins and unreported on policies In 

fort ,1877 95,881 60 

leferred premiums on policies in foroe Doc 81, 
1-77 92,197 GG 

1 187,529 1G 

Deduct lingonaboi amount, 46,882 29 

mount of uncollected and deferred premiums 140,G4G 87 

290 85 

$10,006,756 07 



V. LIABILITIES. 

Net pres en t value of all the outstanding policies in force on the 

.list day of D imputed according to the Actuaries' or 

i kble of Mortality, with four per cent. 

6,461,191 oo 

CBaifl 0d unpaid, awaiting ap- 

unaul 868 89 

Claims for d I matured endowments In 

process of adjustment, or adjusted and not due. . 170,608 00 
losses and other policy claims r 

51,162 oo 

tioj alaJflM 

wnrphu, or other description of protits duo 

po! 

11,0 

J......' d poUejfaolderi' tccoant 

Mssurplai at, l.-Mi.: 



98 MANHATTAN LIFE INSURANCE COMPANY. 

Estimated surplus accrued on Tontine or other poli- 
cies, the profits upon which are especially reserved 
for that class of policies, 13,929 49 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 2,014,314 28 
Received during the year, 87,078 00 

Total, 2,101,392 88 

Deductions during the year as follows : 

Notes, loans or liens used in payment of losses and 

claims, 59,895 68 

Notes, loans or liens used in purchase of surrendered 
policies, and voided by lapse, 161.561 74 

Notes, loans or liens used in payment of dividends to 

policyholders, 19,177 61 

Notes, loans or liens redeemed by maker in cash, 8,181 25 

Notes, loans or liens in hands of agents for collection 13,257 61 

Total reduction of premium note account, 262,073 89 

Balance note assets at end of the year, $1,839,318 99 



VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies, 11,052 35,391,742 00 

Endowment policies,... 1,517 3,345,046 00 

All other policies, 45 105,365 00 

Reversionary additions, 116,955 00 

12,014 38,959,108 00 

New Policies issued during the year. 

Number. Amount. 

Whole life policies, 1,117 2,689,036 00 

Endowment policies, 144 316,843 00 

Additions by Dividends. 

Reversionary additions, 3,241 00 

Total number and amount, 13,875 41,968,228 00 

Deduct policies ceased to be in force, 1,844 5,649,679 00 

Total policies in force at the end of the year,.. ..12,031 $36,318,549 00 






v^O, 



MANHATTAN LIFE INSURANCE COMPANY 



99 



n mount ofpoUdet whieh 1 ' to i>< in form durin 

Number. Amount, 

th 801 616, 

By maturity 26 114 CO 

Bj surrender B60 2,558,427 00 

By purenaae 286 728,561 00 

Byehange to paid up policies 882 1.17'.'. 7:59 00 

Not taken 189 ,299 00 

.1 terminated 1,844 |5,6 19,679 00 

schedule A /.' owned by tlu Company, 

Real estate in New York City 618,086 97 

Brooklyn 47,064 90 

New York, other property, 115,458 38 

Total, $780 555 25 

Schedule C — Loans on Collateral*. 

Tar. Value. Market Value. Ami Loaned. 

Citizens Fire Insurance Co 8,100 00 14,985 00 4,000 00 

Broadway Bank 4,500 00 9,046 00 5,000 00 

Peoples Bank 2,500 00 3,150 00 2,500 00 

8d Avenue R It. bond 1,000 00 l,(»l() 00 750 00 

Lake Shor, K. B 50,000 00 30,500 00) v 50 000 00 

N. Y. Central A: Hudson Riv. It R.,. 30,000 00 31,875 00> 

LakeShoreR.lt., 100,000 00 61,000 00 50,000 00 

rn Union, 150,000 00 115,875 00) 

N. Y. Central & Hudson ltiv. R. R.,. 6 1,000 00 68,750 00 150,000 00 

Lake Shore R. B 10,000 <><> 6,100 OOJ 

United & -20 bonds 14,000 00 14,770 001 „. ,„ 

- J).OOlJ iii) 

Harlem preferred, 10,400 00 14,872 OOJ 

United- ::ds 1,000 00 1,056 00) 1 800 00 

Panama EL B l,00( 1,260 OOJ 

N. Y. Central* Hudson Riv. R. R., 50,000 00 58,125 00 40,000 00 

20,000 00 21,250 00 16,( 

: a Gas Co., 00 5,000 00 

Lake Shore h. m li I 00 M) 00 7,000 00 

tral ft Endaon ltiv. K. r... 60,000 00 68,750 00) ,;-,„,, (l0 

90,000 00 69,520 00) 

tral A Hudson ltiv. R. it... 20,000 00 21,250 00 17,000 00 

Merchants Exchange 1 100 744 00) 

1,500 2,010 38 17 

I 00 8,217 • 

I. - mott bond, 270, 00 275,40 I 00 

Lake Shore i:. B . 10,000 6,100 





l.o 10 



100 



MANHATTAN LIFE INSURANCE COMPANY, 



Peoples Bank, 2,500 00 3,150 ()0\ 

Manhattan Co., 4,450 00 6,052 00- 9,882 00 

Bank of Commerce, 2,000 00 2,540 OO) 

Western Union, 400,000 00 309,000 00 260,000 00 

New York City Kev. bonds, 200,000 00 200,000 00 200,000 00 

Westchester Town bonds, 6,000 00 6,240 00"| 

Westchester County bonds, 15,000 00 15,900 00 I 

Butchers & Drovers Bank, 26.625 00 28,755 00 j* 54,000 00 

Citizens Bank, 18,750 00 20,250 OOj 

Harlem preferred, 15,000 00 21,450 00 £ 15 06104 

N. Y. Guarantee & Indemnity Co.,... 1,000 00 1,000 00 > 

N. Y. Central & Hudson Riv. R. R.,. 150,000 00 159,375 00) 

Harlem common, 49,500 00 70,166 25- 200,000 00 

N. Y., N. H. & Hartford R. R 20,000 00 30,700 00 ) 

N. Y., N. II. & Hartford R. R., 27,500 00 42,212 50 30,000 00 

Harlem R. R., common, 3,000 00 4,252 50 3,500 00 

Shoe & Leather Bank, 17,500 00 21,000 00 17,500 00 

Brooklyn Gas Co., 5,500 00 9,075 00 6,000 00 

Erie Long Dock bonds 2,000 00 2,200 00 1,800 00 

Citizens Bank, 9,750 00 10,530 00| n 000 00 

8th Avenue R. R., 3,400 00 5,440 00> 

3d Avenue R. R., 10,000 00 13,000 00) 12 800 00 

Citizens Bank, 2,500 00 2,700 00) 

N. Y. National Exchange Bank, 2,900 00 2,784 00 2,500 00 

Metropolitan Gas Co., 1,500 00 1,995 00 1,500 00 

Total, $1,983,975 00 $1,895,843 25 $1,481,076 21 



Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
tJ. S. and State Stocks : — 

United States 6's, coupon, 1881, 75,550 00 82,916 12 

" 5's, registered 1881, 100,000 00 105,500 00 

" 5-20's, coupon, 486,500 00 523,700 63 

" 4's, registered, 250,000 00 252,812 50 

Virginia State consolidated debt, 6, 600 00 3, 762 00 

" deferred debt, 13,300 00 731 50 

Municipal Bonds : — 

N. Y. City Soldiers Bounty Fund Redemption bd. 8,700 00 9,222 00 

Brooklyn Public Park Loan, 100,000 00 116,500 00 

Westchester County, New York, 62,000 00 65,720 00 

Bank Stocks : — 

Bank of Commerce, New York, 5,000 00 6,250 00 

Total cost value, $1,208,695 89 $1,107,650 00 $1,167,114 75 



is MUTUAL 1.IKK IN8U RANGE 00. L01 



MASSACHUSETTS MUTUAL LIFE [NSURANCE COMPANY, 

Srr.iNorn i.i>, V 

Oonmeneed BonineaB, AiigtisI I, 1861. 

v.. W, Bond, P tidenL Atxbt J. Smith, Secretary. 

Attorney \ A. II. Bond, Hartford. 



Amount of not or ledger assets December 31, 1876, $6,036,722 56 



II. INCOME DURING THE YEAR 

B red for premiums without de- 
ion for commissions or other 

expenses G24,4S7 30 

Premium notes, loans or liens taken 

in put payment for premiums 171,0">3 71 

Premiums pai 1 by divides 

444.96; bj surrendered poli 

$84,511.20 168,956 16 



Total, 964,497 17 

Deduct amount paid to other Compa- 
iranoe on policl 

6, 108 17 

Total premium income, 958,094 00 

Received f<-r interest upon mortgage and oollai 



aad and <li vi- 

89,086 96 

Receive. 1 for Interest <>n preminm i is, or 

,912 18 

Received a I in advan 1,6 

red for rani rty,. 

n 64 



1 






102 MASSACHUSETTS MUTUAL LIFE INSURANCE CO. 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 385,803 31 

Premium notes, loans, or liens, 

used in payment, of same, 12,314 98 

Paid for matured endowments and 

additions,. 87,131 72 

Premium notes, loans or liens, used 

in payment of same, 14,5G3 28 

Total amount actually paid 

for losses and matured endowments, 449,813 29 

Paid for surrendered policies, 30,509 45 

Premium notes, loans or liens used in purchase of 
surrendered policies, and voided by lapse, includ- 
ing $4,016.42 interest, 116,630 87 

Cash surrender values applied in payment of pre- 
miums, $84,511.20; interest, $1,131.94, 85,643 14 

Cash dividends paid to policyholders, $20,144.41 ; 
same applied in payment of prems.,. 84,444.96 ; 
and for interest on premium notes, 7,157.76; 111,747 13 

Premium notes, loans or liens used in payment of 

dividends to policyholders, 109,142 80 

Total paid policyholders, $909,486 68 

Paid for commissions to agents, 55,237 43 

Paid for 'salaries and traveling expenses of managers 

of agencies, and general, special and local agents, 59,066 89 

Paid for medical examiners' fees 5,054 00 

Paid for salaries and other compensation of officers 

and other office employes, 38,883 25 

Paid for taxes, licenses, fines and fees, 14,866 66 

Paid for rent. .* 9,381 13 

Paid for furniture and fixtures and safes for home 

and agency offices, 50 00 

Cash paid for advertising and printing, 6,828 62 

Paid for the following items : Postage, stationery, 

law, loss, &c, 21,630 11 

Profit and loss — difference between cost and pres- 
ent value of real estate, $160,580.50 ; railroad 
bonds, $26,339.49 ; other items, $11,616.15, 198,536 14 



Total disbursements, , 1,319,020 91 

Balance Dec. 31, 1877, $5,997,314 49 

IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A 511,258 00 

Loans on bond and mortgage, (first liens),., 3,598,880 30 

Loans secured by pledge of bonds, stocks and other 

marketable collaterals, as per Schedule C, 216,323 51 



UA88A0HU8ETTS MUTUAL LIPS INBU RANGE G 108 

mads in oaah to policyholder! «>n tins 0om« 

panv's polioiM ^lateral :'.7. •'.'."' 

Premium cotes, Loads or liens on polioiei in force, 

- ;.i7, U-ss > , J. , .'t>7..".>, notfs ijiven for re- 

iranoe 810,969 ">'.► 

. due of bonds and stooki owned absolutely, as 

BehedoleE 678,960 90 

in Oompsny's office, , 10,847 26 

Cash in transit, ainoa iviviwil 84,806 

Geeh deposited in banks 98,000 06 

Bills leoeivahlfl : 08 

.1 5,997,814 41) 

Dednoi poanibVn depreciation from cost of assets,... u:;.'_':>i 90 

Total oel or ledger assets $5,884,060 59 

OTHl 

Interest due ami accrued on bond and mortgage loans, 178, 100 77 

Interest seemed on bonds snd stocks, •;.;;;:> :::; 

Interest accrued on collateral loans 1,872 22 

Interest due and accrued on premium notes or liens 27,818 V S 

roed on Company's property or lease 1,46$ 

Gross premiums due ami unreported on policies in 

force Dee. 81,1877 68,860 98 

Gross del prms. on policies in force Dec. 81, 1877, 99,692 OS 



Total, 168,042 96 

Deduct 20 per cent, on above gross amount, 32,008 59 

amount of uncollected and deferred premiums, 130,434 37 

Furniture, fixtures and safes "),:557 96 

Cash in hands of agents (secured), 17,898 04 



Total assets, 6,251,245 49 

ITEMS NOT ADMITTED. 

Furniture, fixtures and safes, 5,857 96 

I Is of agents 17,898 04 

Dills Receivable, 

d, 27,887 03 



Total, (less items not admitted. I - 



V. LIABILITIES. 

resent value of all the outstanding policies in 
Lai day of Dec. 1877, oompnted ac- 
cording to the Combined Experi- 
ence Table of Mortality, with four per cent, in- 
ter. 

Deduct net value of rial in- 
sured in 28,221 

.:.snrance reserve, 5.677.1! 



lOi MASSACHUSETTS MUTUAL LIFE INSURANCE CO. 

Claims for death losses in process of adjustment, or adjusted and 

not due > 77,236 00 

Claims for death losses and other policy claims resisted by the 

Company, including resisted losses of previous years, 57 369 00 

Unpaid dividends of surplus or other profits due policyholders... 20 417 29 

Premiums paid in advance, 2 246 79 

Liabilities on policyholders' account, 5,834 407 08 

Gross surplus on policyholders' account, 389 001 38 

Total liabilities, $6,223,408 46 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76,.. 897,141 35 

Received during the year, 171,053 71 

For note of previous year, 30 00 

Total, 1,068,225 06 

Deductions during the year as follows : 

Notes, loans or liens used in payment of losses and 

claims 26,878 26 

Notes, loans or liens used in payment of surrender- 
ed policies and voided by lapse, 112,614 45 

Notes, loans or liens used in payment of dividends 

to policyholders, 109,142 80 

Notes, loans or liens redeemed by maker in cash,... 5,481 07 

" " " by premiums, 241 31 

" " " given for re-insurance, 2,907 58 

Total reduction of premium note account, 257,265 47 

Balance note assets at the end of the year, $810,959 59 



VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies, 9,148 22,895,575 00 

Endowment policies, 2,635 4,608,343 00 

All other policies, 2,675 6,299,545 00 

Total number and amount, 14,458 33,803,463 00 

New Policies issued during the year. 

Number. Amount. 

Whole life policies, 904 2,334,540 00 

Endowment policies, 316 635,364 00 

All other policies, 63 131,000 00 

Old Policies revived during the year. 

Number. Amount. 

Whole life policies, 6 13,000 00 



MASSACHUSETTS KUTUAL LIFI INSURANCE l 106 

' during th. fmr. 
Endowment polioiM 100 <><> 

J number md amount, 15,747 

Deduct nnmbex and amount oeeeed t<> be In foroa 1,764 K) 00 

Total number ami amount in force Dee. SI, '77,. 18,988 $81,872,1 I 

H I '<> hi in force during the year. 

Number. Amount. 

By death ami maturity SOI 490,9 

| lry (114 1,803, 900 00 

By surrender 370 1,048,862 00 

Bj lapse, 304 972,788 00 

By change and decrease, 1 201,1 :)*',:> 00 

.ken 211 602,650 00 

Total terminated 1,704 $5,046,820 00 

Policies re-insured 244,995 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount, 

Policies in force in Connecticut, Dec. 31, 187G, 416 792,982 00 

Polieies issued during the year. 38 84,840 00 

Total 454 877,822 00 

Deduct number and amount ceased to be in force, 44 92,970 00 

Total number and amount in force Dec. 21, '77,. 410 7o4, 8 

Number. Amount. 

Losses and claims on policies unpaid Dec. 31, 187G, 3 9,100 00 

Losses and claims on policies incurred during year, 7 12,37<> 00 

10 21,470 00 

Losses and claims on policies paid during year 9 17.970 00 

Premiums collected in c; T\ notes or credits. 

$7,-- • 30,02(1 18 

*<li<'dnl«' A ■--/! esj K state owned by the Company. 

Real estate in Springfield, Mass., Co.'s building,... 12"»,000 

M other property,. 188,400 

17,000 

nnecticut, T>,500 

Indiana, 

lieago, 111 11.150 

:: i \ 

1! 



106 MASSACHUSETTS MUTUAL LIFE INSURANCE CO. 

Schedule C— Loans on Collateral. 

Par Value. Market Value. Arnt. Loaned , 

Springfield Gas Light Co., 1,900 00 2,375 00 1,900 00 

Union Paper Manufacturing Co 1,500 00 1,500 00 1,500 00 

Cocheco National Bank, Dover, N. H., 3,000 00 3.180 00 3,000 00 

Hampden Paint and Chemical Co., 5,100 00 8,500 00 7,000 00 

United States Bond, 500 00 525 00 500 00 

Union Paper Manufacturing Co., 15,000 00 15,000 00 10,000 00 

Pynchon National Bank, 2,500 00 4,125 00 2,500 00 

Union Paper Manufacturing Co., 2,000 00 2,000 00)_ g 00Q - QQ 

Worthy Paper Co 5,000 00 5,000 00 ) 

.Etna Fire Insurance Co., 2,000 00 4,280 00^ 3 400 00 

N. Y., N. H. & Hartford R. R.. 1,400 00 2,156 OuJ 

Chicago & Illinois River R. R. Co., 45,000 00 22,500 00)^ 3Q 000 0Q 

. and an assignment of judgment, 15,000 00 15,000 00^ 

Farmers & Mechs. Nat. Bank, Hart.,.. 1,900 00 2,090 00 1,500 00 

^tna " " 600 00 708 00 550 00 

Phoenix " " 500 00 740 00 375 00 

Pynchon " Springfield, 1,300 00 2,145 00 j 

John Hancock " " 500 00 600 00 > 5,000 00 

Leicester " Leicester,.. 800 00 960 00 ) 

N. Y., N. H. & Hartford R. R., 3,800 00 5,852 00 5,000 00 

Council Bluffs & St. Joe R. R., 8,000 00 7,600 00) 

Kansas City, St. Joe & C. Bluffs R. R., 5,000 00 3,800 00^- 10,000 00 

" " " 300 00 228 0o) 

Pettis County, Missouri, 1,000 00 1,000 00 798 51 

Cocheco National Bank, Dover, N. H.,. 10,000 00 10,600 00 10,000 00 

Union Paper Manufacturing Co., 45,500 00 45,500 00 40,000 00 

" " " 15,000 00 15,000 00> 

Kansas City, St. Joe & C. Bluffs R. R., 30,000 00 22,800 00 J 

Union Paper Manufacturing Co., . 4,000 00 4,000 00 2,700 00 

Kansas City, St. Joe & C. Bluffs R. R., 59,000 00 44,840 00 84,000 00 

N. Y., N. H. & Hartford R. R., 2,500 00 3,850 00) 

National New Haven Bank, 1,000 00 1,500 00 >- 5.100 00 

Boston & Albany R. R., 1,000 00 1,245 00 ) 

Note of Kernan Smith with two good 

sureties, # 4,000 00 

Total, $292,600 00 $266,199 Oo $216,323 51 

Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Vauel. 
U. S. Stocks : — 

United States 6's, 1881, 50,000 00 54,750 00 

" 5-20's, 1867, re«., 97,700 00 102,829 25 

" " 1865, " 51,000 00 52,402 50 

« " 1867, " 8,000 00 8,420 00 

" 6's, 1881, coupons, 50,000 00 54,750 00 

«• " reg., 50,000 00 53,250 00 



> 32,500 00 
I) 






MASSACHUSETTS miitai, ijfk IN8URAN0E I 107 

Par Vain.-. Mark.t Value. 
Mrsieir.u. Bome : — 

City of Springfield, 8,000 00 8,180 00 

1 : — 

tnoil BlutT B 68,000 00 58,10 

St. Lmk AH m A Tern Haute, 81.600 00 84,800 00 

Buffalo, New York A Brie, 10,000 00 10,600 <><> 

Ka- • 86,000 00 18,000 00 

Indianapolis, Bloomington A Westers 40,000 00 12,000 00 

Burlington. Oedai Bapida A Northern, 8,000 <»o m 00 

Kai 1 K. B.andaorip 18,000 00 4,000 00 

kS Stocks : — 

•on A- Albany 68,600 00 86,81 

N. Y., N. H. A Hartford 8,900 oo 16,846 00 

K. Y. Central A- Hudson Hirer 10,000 00 10,G50 00 

Chicago A: Kock Islam] 10,000 00 10,060 00 

Burlington, Cedar Rapids & Northern, 7,000 00 1,060 00 

Bank Stock - 

Agawani National, Springfield, 5 no 00 GOO 00 

Pynehon 2.000 00 3,300 00 

12,400 00 10,120 00 



Second 
Chicopee 
John Hancock 



8,100 00 14,17.". oo 

3,500 00 5.42.-. oo 

1,000 00 1.200 00 



Fir>t National. Chicopee 2,400 00 3,480 00 

" Northampton, 3,40<i 00 4,668 00 

Eliot " Boston, 1,600 00 1,050 00 

■er ** " 2,500 00 2,626 00 

Mercl.- M 1.500 00 1,980 00 

Bk. of Com. " 4,700 00 32 00 

Metropolitan National Bank, New York, 3,800 00 1,940 00 



Total cost value. $678,960 20 $648,900 00 $680,496 26 



108 METROPOLITAN LIFE INSURANCE COMPANY. 



METROPOLITAN LIFE INSURANCE COMPANY, 

New Yoke: City. 

Commenced Business June, 1867. 

Joseph F. Knapp, President. John R. Hegeman, Vice-President & Sec'y. 

Attorney in Connecticut, J. W. Bacon, New Haven. 



I. CAPITAL. 

Capital stock paid up in cash, $200,000 00 

Amount of net or ledger assets December 31, 1876, 1,918,975 72 
Decrease of same during the year by profit and loss 

account U2.437 84 



Extended at, $1,776,537 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 615,579 12 

Premium notes, loans or liens taken 

in part payment for premiums, 122,114 16 



Total, 737,693 28 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company 563 67 



Total premium income, 737,129 61 

Received for interest upon mortgage loans, 39,068 85 

Received for interest upon bonds owned and divi- 
dends on stocks, 22,350 95 

Received for interest on premium notes, loans, or 

liens, 16,755 06 

Received for interest on other debts due the Com- 
pany, 2,120 40 

Received for rents for use of Company's property,. 26,718 96 

Total income, 844,143 83 

Total, $2,620,681 71 



H1TK0P0LITAH UFK INSURANCE COMPANY. 

III. DB3BUB8EMENT8 DUBING THE 7EAB 

Taid for losses ami additions 208,] 1 I 

Premium n used 

In payment of theaame, i 14 

Paid for matured endowmenta and 

additions, o 19 

Premium notes, loana or lieu 
in payment of the same NS 81 



Total 215,558 00 

Paid for aarrendered policies 195,194 L8 

Premiam aotea, loans or none need in parehaee of 

surrendered policies, and voided by lapse 1 70, 72»> 66 

Cash dividends paid to policyholders, same applied 

in payment of premiums 16, 117 00 

I paid polioyholderi 1597,691.14 

Paid for commissions to agents, 70,834 27 

Paid for salaries and traveling expenses of man- 
agers of agencies, and 'general, special and local 

agents ! 7,568 57 

Pail for medical examiners' fees -l' K) 

Paid f tthei compensation of officers 

and office employes, .'}:>, 017 06 

te taxes and revenue stamps, 
•s and fees in other 

12,338 23 

Taid for rent, branch offices 11,471 78 

Paid for advertising and subscription, $7,410.62 ; 
Bonery and printing, $6,224.79; directors 

and committees, $1,000.00, 14,685 41 

for the following items : — Legal fees, $10,- 
182.54 : expense account and all other items, 

1 25,440 18 



Total disbursements, 778,178 71 



Balance, $1,842,507 97 

IV. 

AS PB : >T8. 

• state unencumbered, a. per Bohedule A 274,691 06 

Loans on bond and mortgage first liens) 707,200 <"> 

Loans secured by pledge of bonds, stocks, or other 

marketable collate 66,468 

Hens on poiioiee in force. 811,609 ."»i 

Par value ol md bonds i 

415,000 '»" 

; n Company's office, 

l".:':'l 81 

Agents' an i Iger balanoee, 88,421 70 

I tal net or ledg' 



110 METROPOLITAN LIFE INSURANCE COMPANY. 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 14,825 51 

Interest accrued on bonds and stocks 2 480 21 

Interest accrued on premium notes, loans or liens, 761 66 

Rents accrued on Company's property or lease, 1,504 57 

Market value of real estate over cost, as per Schedule A., 18,308 94 

Market value of bonds and stocks over par , as per Schedtile E, 36,680 00 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 131,512 68 

Gross deferred premiums on policies in force Dec. 

31, 1877, 148,406 46 



Total, 279,919 14 

Deduct the loading on above gross amount, 55,983 .83 



Net amount of uncollected or deferred premimus, 223,935 31 

Total assets, 2,141,004 17 

ITEMS NOT ADMITTED. 

Furniture, fixtures, and safes, 7,224 61 

Commuted commissions, 10,663 69 

Agents' balances, 35,533 40 

Total, 53,421 70 



Total assets, (less items not admitted), $2,087,582 47 



V. LIABILITIES. 

Net present value of all the outstanding policies in force Dec. 31, 
1877, computed according to the Actuaries' or Combined Ex- 
perience Table of Mortality, with four per cent, interest, _ 1,719,541 00 

Premium obligations in excess of the net value of their policies,. 

Claims for death losses due and unpaid, , 

Claims for matured endowments due and unpaid, 

Claims for death losses and matured endowments, in process of \ 73,843 00 
adjustment, or adjusted and not due 

Claims for death losses, and other policy claims, resisted by the Co. 

Amount due and unpaid on annuity claims, % J 

Deferred and unpaid premiums, and premium liens in excess of 

Unpaid dividends due policyholders, 471 00 

reserve, $57,472.00; premiums paid in advance, $22,138.26 ; 

all other items of liability, $11,350.00, 90,960 26 

Liabilities on policyholders' account, 1,884,815 26 

Gross surplus on policyholders' account, 202,767 21 

Total liabilities, $2,087,582 47 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 365,689 26 
Received during the year, 122,114 16 

Total 487,803 42 



KETROPOLITAN LIFE INSURANCE company. Ill 

P I '' ii during the year a$f< 4iowt: 

v . loans or | ::i payment i>f losses umi 
claims, 

loans or liana uaed in pnxonaee of surrendered 
:ul roidodbj lapee, and uaed in payment 

of divui' lioyholdera 170,721; 66 

ToiaJ redaction of px e mhu n note aoooanfl 176,298 :ii 

Balance note assets at end of the year £.51 l.:>i<!i ;,[ 

VII. EXHIBIT OF POLICIES. 

PoL Addition* in force at the aid of tin protiOMi fear. 

Number. Amount 

Whole life policies 16,049 28,164,878 00 

Endowment policies 1,441 1,044,707 00 

All other policies 18 14,679 00 

17,508 84,228,764 00 

- Policies toned during the year. 

Number. Amount. 

Whole life policies, 2,199 2,186,895 00 

Endowment policies 78 86,816 00 

Old Policies recited and inoreoeetL 

Number. Amount. 

Whole life policies, U6 211, 000 00 

Endowment policies, 12 9,281 00 

Total number and amonnt, 10,913 26,616,206 00 

Deduct policies ceased to be in force 7,963 10,078,892 00 

Total policies in force at the end of the year, . ...11,960 16,536,81 l 1 

■id amov ihich "home Mated to bt in force during % 

Number. Amount 

By death and maturity. 175 

render 1,628 1,689,665 00 

5,711 7,484.027 00 

By change and decrease, 188 

Not taken 371 717 00 

Total terminated, 7,968 $10,078,892 0(1 

VIII. B1 i\ CONNECTICUT IN 

Nub 'int. 

Policies in I ■maotioat, 1876 1.897,704 00 

Policies issued during the 17 

1,4 

Dedu< • aaaad to be Infaroe 

Total numb.-r and amount in f 61, '77, 124 



112 METROPOLITAN LIFE INSURANCE COMPANY. 

Amt. of losses and claims unpaid Dec. 31, 1870, 1 5,000 00 

Losses and claims on policies incurred during year, 4 15,000 00 



Total, 5 20,000 00 

Amt. of losses and claims on policies paid during year, 5 20,000 00 

Premiums collected, cash, notes or credits, 31,517 66 



ScliedMie A.— Real Estate owned by the Company. 

Real Estate in New York City, 275,000 00 

in Brooklyn, N. Y., 18,000 00 



Total, $293,000 00 



Schedule C — Loans on Collateral. 

Par value. Market value. Amt Loaned. 
Brooklyn, N. Y , Bonds, 58,00C 00 68,440 00 66,463 82 



ScHaediile E— btocks and Bonds owned by the Company. 

Par Value. Market Value, 
U. S. 'Stocks : — 

United States Bonds, Pacifies, 20,000 00) „ n . A ™ 

' > 20,9o0 00 
2,000 00) 

5-20's, 1,000 00 1,055 00 

10,000 00 10,850 00 

" 4's, 25,000 00 25,687 50 

" " 25,000 00 25,687 50 

4^'s, 100,000 00 103,500 00 

Municipal Bonds : — 

Gowanus Canal Improvement, 1,000 00 1,050 00 

Brooklyn Public Park, 15,000 00-v 

" " " 10,000 00s- 38,940 00 

" 8,000 00) 

Ocean Park Way Improvement, 25,000 00 27,625 00 

Peekskill Water, 25,000 00 28,000 00 

City of Rochester Water Loan, 38,000 00 42,560 00 

Consolidated Stock, New York City, 25,000 00 25,375 00 

Rochester City, 35,000 0O s 5Q 4Q0 0Q 

" 10,000 00) 

Lockport City, 25,000 00) u QQ0 0Q 

" " 15,000 00) 

Total $415,000 00 $451,680 00 



MUTUAL LIFK INSURANCE COMPANY. 113 



MUTUAL LIFK INSURANCE COMPANY, 

Ni.w York City. 

Commenced Business, Feb. 1, 1843. 

F. S. Wins Isaac F. Lloyd, Secretary. 

Att<~,rn<>i in CbfUHflfi'fliif, J. W. Nichols, New Haven. 



Amount of net or ledger assets Dec. 31, 1870, $79,520,900 87 



II. INCOME DUKING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses 14,013,143 34 

Received for annuities, 17,010 07 



Totel premium income, 14,030,153 41 

Received for interest upon mortgage loans, 3,990,315 77 

Received for interest upon bonds owned and divi- 
dends on stocks 7G8.251 85 

Received for interest on other debts due the Co.,... 45,383 45 
Received for rents for use of Company's property, 59,851 88 
Received for profits on bonds, stocks, or gold actu- 
ally sold 18,504 37 

Total income, 18,912,400 73 



Total,.. $98,439,301 00 



III. DISBURSEMENTS DURING THE YEAR. 



Paid for losses and additions, 3,034,910 27 

Paid for matured endowments and 

additions, 1,077,389 90 



Total amount actually paid for 

losses and matured endowment**, 4,712,.'i<>0 17 

Cash paid to annuitant*, 81, 

Cash paid for surrendered policies and additions,... 

15 



114 MUTUAL LIFE 1NSUKANCE COMPANY. 

Cash dividends paid to policyholders, 3,568,161 57 

Total paid policyholders, $13,949,100.48 

Paid for commissions to agents, 379,873 93 

Cash paid for medical examiners' fees, 38,821 38 

Paid for salaries and other compensation of officers 

and other office employes, 389,679 86 

Paid for State and local taxes in State where organ- 
ized, $23,676.15; taxes, licenses, fines and fees 

in other States, $215,292.10, 238,968 25 

Paid for rent, 1 6,000 00 

Paid for commuting commissions, 223,328 23 

Paid for advertising, 73,069 79 

Paid for the following items : Exchange and post- 
age, $53,089.71, law, $47, 301. 41, printing and sta- 
tionery, $67,621.64, contingent guarantee account 
$494,918.71, miscellaneous, $121,909.91 , 784,841 41 

Total disbursements, 16,083,683 33 

Balance $82,355,678 27 



IV. ASSETS, 

AS PEE LEDGER ACCOUNTS. 

Eeal estate unencumbered, as per Schedule A., 5,725,035 05 

Loans on bona and mortgage, (first liens), 58,152,733 88 

Cost value of bonds and stocks owned absolutely, 

as per Schedule E 16,676,200 81 

Cash in Company's office and banks, 1,701,622 87 

Cash in transit Dec. 31, 1877, since received, 67,969 92 

Agent's ledger balances, 32,115 14 

Total net or ledger assets, $82,355,678 27 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, ) 1 ,on *,,- qo 

Interest due and accrued on bonds and stocks, ) 

Market value of bonds and stocks over cost as per Schedule E.,.. 233,410 36 

Gross premiums, due and unreported on policies in 

force Dec. 31, 1877, 153,768 13 

Gross deferred premiums on policies in force Dec. 

31, 1877, 851,813 52 

Total, 1,005,581 65 

Deduct the loading on above gross amount, 251,395 41 

Net amount of uncollected and deferred premiums, 754,186 24 

Total assets, , $84,781,922 79 

ITEMS NOT ADMITTED. 

Agents' balances, 32,115 14 

Total assets (less items not admitted,) $84,749,807 65 



MUTUAL LIFE INSURANOK COMPANY, L15 

v. LIABILITIES. 

Hofpreeenl value of all the outstanding polioiet In 
(brae Deo, 81, 1877, oompnted looording t<> the 
Aotnixies'oz Combined Experience Tabic of Mor- 
tality, with four per cent, inl 78,885,116 <>o 

Claims for death losses duo and unpaid 47,988 <><> 

Claims lor death loaeeaand matured endowments In 
prooea^f adjustment, or adjusted and not due,., 488,849 00 

Claims for death loOBSO, and other policy claims, 

resisted by the Oompany 148,188 00 

1 tal p-'licy claims 682,988 00 

Premiums paid in advance L? 1 7, ."><; 1 00 

Liabilities on policyholders' account, 79,485,600 00 

Gross surplus on policyholders' account 5,264,207 66 

Total liabilities, $84,749,807 65 

Estimated surplus accrued on Tontine or other pol- 
icies, the profits upon which pre especially re- 
served for that class of policies, 97,085 00 

VII. EXHIBIT OF POLICIES. 

Policies in force at end of precious year. 

Number. Amount. 

Whole life policies 74,047 281,288,539 00 

Endowment policies, 17,943 1 1,731,501 no 

All other policies, 135 151,875 00 

92,125 276,171,915 00 

d during th> year. 

Number, Amount. 

Whole life policies 6,562 15,500,220 00 

Endowmeir l 2,106,680 00 

All other policies 1 1,00 

Old P 0d during the fear. 

Number. Amount 

Whole life polilies 745 8,448,990 00 

Endowment policies 169 10 00 

Add I * :> dendt in form Dec 81, 1877. 

Number. .int. 

life policies L'l.. 

8,416,149 00 

Allot. 19,915 00 

100,619 891,71 

Deduct onmber and • 

m tores at end of Jti 



116 MUTUAL LIFE INSURANCE COMPANY. 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount. 

By death, 938 3,075,700 00 

By expiry, (matured), 328 919,714 00 

Bysurrender, 4,807 15,258,092 00 

By lapse, 2,350 5,899,830 00 

By decrease, 218,435 00 

Not taken, 643 1,909,875 00 

Total terminated 9,066 $27,281,646 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31, 1876 3,733 9,344,113 00 

Policies issued during the year, 245 545,225 00 

Total, 3,978 9,889,338^00 

Deduct number and amount ceased to be in force, 306 909,925 00 

Total number and amount in force Dec. 31, '77, 3,672 8,979,413 00 

Number, Amount. 

Amt. of losses and claims on policies unpaid Dec. 31, '76 4 10,298 00 

Amt. of losses and claims incurred during year...... 37 102,346 00 

Total, 41 112,644 00 

Losses and claims on policies paid during year, 34 103,330 00 

Prems. collected in cash, 335,638 83 

Schedule A — Heal Estate owned by the Company. 

Real estate in New York City, 1,000,000 00 

" Philadelphia, Pa., 847,953 71 

" Boston, Mass., 1,296,897 01 

" purchased under foreclosure,.. 2,580,184 93 

Total, $5,725,035 65 



Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6s, 1881, 2,525,550 00 2,696,024 62 

" Funded 5s, 2,050,000 00 2,160,187 50 

< k 10-40S, 5s, 50.000 00 53J375 00 

" Funded 4£s, 2,200,000 00 2,277,000 00 

" 5-20S, 6s, 500,000 00 527,500 00 

District of Columbia 3-65s, 1,148,000 00 872,480 00 

Missouri 6s, 215,000 00 230,587 50 






MUTUAL I. UK INSIRANCK COMPANY. 117 

r.ir 7ataa Kirkat Valna 

160,000 00 164,260 00 

1 600,000 00 680,000 00 

Mr\it nwi B I 

Cherry Valley 7s 60,000 00 L5 96 

I : ".•-:- 118,000 00 188,274 

v a V.»rk City ami County 7s 2,406,000 00 2,608,000 00 

Buffalo 7s 140,600 00 160,408 40 

Elnnra 7s 66,000 00 67,680 80 

■ton Water 6l 1,000,000 00 1,096,000 00 

B Francisco to, 680,000 00 881,241 00 

Providence 6a 600,000 00 682,600 00 

Union County, New Jersey, 7's, 64,000 00 '77 00 

N Plaiutield, 7's 6,600 00 6,600 00 

Indianapolis (Time Warrants,) 800,000 00 300,000 00 

Brooklyn Brid 200,00000 210,000 00 

" City, 5's, 100,000 00 100,000 00 

11 Park, 7's, 691,000 00 801,r,G0 00 

City, 7's, 9S,000 00 107,300 00 

Newark, New Jersey, 7's 500,000 00 541,750 00 

Brunswick. New Jersey, 7s G,500 00 0.717 60 

Middlesex County. New Jersey, 7's, .".000 00 5,550 00 



Total cost value, $1G,G76,200 81 $16,158,050 00 $16,900,011 17 



118 MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



MUTUAL BENEFIT LIFE INSURANCE COMPANY, 

Newaek, N. J. 
Commenced Business, April,* 1845. 
Lewis C. Geoveb, President Edwabd A. Stbong, Secretary. 

Attorney in Connecticut, A. W. Day, Hartford. 



Amount of net or ledger assets December 31, 1876, $31,317,821 48 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 4,328,751 49 

Premium notes, loans or liens taken 
in part payment for premiums, 177,716 50 

Cash received for annuities, 1,847 80 



Total premium income, 4,508,315 79 

Received for interest upon mortgage loans, 779,523 55 

Received for interest on bonds owned, 875,691 74 

Received for interest on premium notes, loans or 

liens, 347,242 09 

Cash discount on claims paid in advance, 3,183 73 

Received for rents for use of Company's property,. 3,031 25 
Received for profit on bonds, stocks, or gold actu- 
ally sold, 4,178 94 

# Total, 6,521,167 09 

Deduct for premium on U. S. bonds purchased dur- 
ing the year, 314,203 76 

Total income, 6,206,963 33 



Total, $37,524,784 81 



III. DISBURSEMENTS DURING THE YEAR. 



Paid for losses and additions, 1,809,042 59 

Premium notes, loans or liens used 

in payment of the same, 111,965 37 



MUTUAL BENEFIT I. IKK INSURANCE COMPANY. L19 

Tjiiil for matured endowments and 

additions 90,784 

Premium notea, loans or liana need 

in payment of Um aamc 18,800 17 



Total amount actually paid for 

looaoo and matured andowmenta 2,025,042 96 

paid to lannuitunts 8,718 ."'i> 

I paid for nrrandaied policial 802,879 17 

Premium notea, loans, or liens need in purchase of 
■orrendered poUoiea, and Toided l>y lapee 802,867 28 

Qaah dividends paid to polioyholdera and applied 
inpayment of premiums 1,468,480 02 

Premium notes, loans or liens used in payment of 

dividends to polioyholdera 86,984 72 

Total paid policyholders $4,678,972.95 

Paid for commissions to agents 1? '. » : I , ' 1 1 1 7<> 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 
agents 8,000 00 

Taid for medical examiners' fees, 25,289 17 

Paid for salaries, and other compensation of of- 
ficers and other office employes,. 88,751 B9 

lines and fees in other States. 62,686 'i'l 

Paid for furniture and fixtures and safe for home 
office 8,240 77 

Cash paid for advertising, printing, legal expenses, 

postage, exchange Ac 105,708 62 

Deficiency and expense in foreclosure sales, 16, I4S 00 

Total disbursements, 5,272,654 85 

Balance, $82,252,129 96 



IV. ASSETS, 

as raa uDom aoooi 

• unencumbered, as per Schedule A 1_".>1.::7l 

on bond end mortgage, (first liana,) 12,410,094 09 

. loans or llena on policies in force.. 5,810,178 64 
Par value of boo | absolute! 

laic E 18,561,1 11 7;; 

Cash in Company's office | 08 

Cash'. :n banks 559,91fi 

I in transit, since received 78,907 

Agents' ledger balances I 

82,^52 : 

Interest due and accrued on I I 





120 MUTUAL BENEFIT LIFE INSUKANCE COMPANY. 

Interest accrued on premium notes, loans or liens, (estimated,).. 132,750 00 

Market value of bonds and stocks over par, as per 

Schedule E., 1,203,128 75 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 92,780 34 

Gross deferred premiums on policies in force Dec. 31, 

1877, 119,947 60 

Total, ; 212,727 94 

Deduct the loading on above gross amount, 42,545 59 

Net amount of uncollected and deferred premiums, 170,182 35 

Total assets, 34,342,411 G5 

ITEMS NOT ADMITTED. 

Agents' balances, 43,366 79 

Total assets, (less items not admitted,) $34,299,044 86 

V. LIABILITIES. 

Net present value of all the outstanding policies in force on the 
31st day of Dec. 1877, computed according to the Actuaries' or 
Combined Experience Table of Mortality, with four per cent, 
interest, 30,033,687 00 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due. . 443,151 00 

Claims for death losses and other policy claims resist- 
ed by the Company, 50,000 00 

Total policy claims, 493,151 00 

Unpaid dividends of surplus, or other description of profits due 

policyholders, 206,207 16 

Premiums paid in advance, 16,195 95 

Liabilities on policyholders' account 30,749,241 11 

Gross surplus on policyholders' account, 3,549,803 75 

Total liabilities, $34,299,044 86 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 5,647,079 98 
Received during the year, 177,716 50 

Total, 5,824,796 48 

Deductions during the year as follows : 
Notes, loans, or liens used in payment of losses and 

claims, 125,265 84 

Notes, loans or liens used in purchase of surrender- 
ed policies, and voided by lapse, 302,367 28 

Notes, loans or liens used in payment of dividends 

to policyholders, 86,984 72 

Total reduction of premium note account, 514,617 84 

Balance note assets at end of the year, $5,310,178 64 



MUTUAL HKNKK1T L1KK LN8U HANOI COMPANY, 1 '_M 

vii. EXHIBIT OF POLICIES. 

i mid Additiont in feree mi end ofpreeiouegear. 

Number. Amount 

Whole Life politico, :{:>,«>'.>8 188,430,979 00 

Endowment poUoioi 3,271 8,287,906 00 

All other policies ..- 132.200 00 

48,807 181,846,986 (K) 

- Policies iesued during the year, 

Number. Amount. 

Whole life policies. 8,982 6,248,490 00 

Endowment policies 223 000,565 00 

All other policies, 8 18,500 00 

Old PoUcisi revived during the gear. 

Number. Amoont. 

Whole life policies, 48 110,906 <>> 

Endowment policies, 3 8, 750 00 

Old Petieiet inoreaeed during tin gear. 

Number. Amount. 

Whole life policies 4 24,680 00 

Endowment policies, 2 5.000 00 

Total number and amount, 46,677 188 B63,876 00 

Deduct policies ceased to be in force, 3,781 12,670,831 00 

Total policies in force at the end of the year,.... 12,7'JO $120,103,015 00 

-V m her and amount of policies which have cea&ed to he in force during the year. 

Number. Amount, 

Bydeath 521 1,728,266 00 

By exiry. 86 104,536 00 

By surrender 619 1,895,077 00 

By laps*, l,27o 8,258,737 00 

By change and decrease 1,091 6,050,8 1 1 (to 

Not taken 242 75 (to 

Total terminated, 8,781 tt2,ft7<»,Kttl Ml 

VIII BUSDIESS IN OONNEOTiaUI IN 1877. 

Number. Amount. 

Policies in I one In ObnneotiooA, I>- ~ r > 818 2,1 

Polici' ,;I ] ] - ' ' 

1177 2,226,462 I 

Deduct number and I 11,; ,l( ' 

.1 number and amount in foTOI EX •. 81, '77,. 911 



122 MUTUAL BKNEF1T LIFE INSURANCE COMPANY. 

Number. Amount. 

Losses and claims on policies unpaid Dec. 31, '76, 15.000 00 

Losses and claims on policies incurred during year, 27,(500 00 

Total, 42,600 00 

Losses and claims on policies paid during year, 40,600 00 

Premiums collected , 38,571 86 



S^hestMle A— Real Estate owned by the Company. 
Ileal Estate in Newark. N. J., $294,:172 23 

Sehedsi'c E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States bonds, 6 per cents., 5,011,500 00 5,606,633 75 

Municipal Bomds : — 

City of Brooklyn, N. Y., 65,000 00 69,875 00 

•' Newark, N J., 3,390,000 00 3,729.000 00 

" Elizabeth, N. J., 550,000 00 550,000 00 

" Kahway, N. J., 97,000 00 97,000 00 

11 Utica, N. Y., 115,000 00 145,000 00 

" Springfield, Illinois, 89,000 00 89,000 00 

" Orange, New Jersey, 80,000 00 80,000 00 

" Auburn, New York, 150,000 00 150,000 00 

'• Jersey City, New Jersey 50,000 00 54,000 00 

«' Dayton, Ohio, 130,000 00 130,000 00 

" Cleveland, Ohio, 566,500 00 611,820 00 

" New Brunswick, New Jersey, 14,000 00 14,000 00 

" Erie, Pennsylvania, 152,000 00 152,000 00 

k ' Toledo, Ohio, 173,000 00 173,000 00 

" South Bend, Indiana, 61,500 00 61,500 00 

" Lafayette, Indiana, 160,000 00 160,000 00 

" Sandusky, Ohio, 100,000 0C 100,000 00 

" Dover, New Jersey, 16,000 00 16,000 00 

Essex County, New Jersey, 2,148,000 00 2,362,800 00 

Union County, New Jersey, 132,000 00 132,000 00 

West Orange Township, New Jersey, '. 123,000 00 123,000 00 

East 4i " 146,841 73 146,841 73 

Miscellaneous : — 

Annuity bond' State of Massachusetts, 800,00 800 00 

Total,,..., $13,551,141 73 $14,754,270 48 



NEW YOKK I.IIK LN8URANCE COMPANY. L2S 



NEW YORK LIFE [NSURANCE COMPANY, 

: V. 

Wn.i i.\M ii. Bxbbs, Actuary. 
AU '. .John Twzedy, Danbury. 



or ledger i ember 31, 1876 $31,872,611 



II. INCOME DUMNG THE IEAB. 

■ v premiums -without de- 
ion for ooi or other 

5,547,664 21 

Premium n iken 

in part payment for premiums 19,692 61 

Oaah l r annuities 226,602 40 



Total. 5,793,94 

Deduct amount paid to other Compa- 
on polici 
71,685 13 

Total premium 5,722,264 09 

1,015,609 65 

Recei . aid divi- 
de I 81 

. loans, or 
r>7,7**»7 52 

Received for interest on oil 'lie Com- 

pit: -4 r. . : i • > 7 ii 

pertj,. 61,50 



:. 







III. DISBUUSEMEN I'S D! RING 'Hi 



i 

in payment of same, 



12± NEW YORK LIFE INSURANCE COMPANY. 

Paid for matured endowments and 

additions, 184,760 54 

Premium notes, loans or liens, used 

in payment of same, 399 58 



Total, 1,869,788 51 

Deduct amount received from other 
Companies for losses or claims on 
policies of this Company re-insured 46,500 00 



Total amount actually paid 

for losses and matured endowments, 1,823,288 51 

Cash paid to annuitants, 122,633 73 

Paid for surrendered policies, : 928,100 76 

Premium notes, loans or liens used in purchase of 

surrendered policies, and voided by lapse, 52,810 85 

Cash dividends paid to policyholders, 1,420,546 87 

Premium notes, loans or liens used in payment of 

dividends to policyholders, 20,388 88 

Total paid policyholders, $4,367,769.60 

Paid for commissions to agents, 358,861 34 

Paid for salaries and traveling expenses of managers 

of agencies, and general, special and local agents, 

(estimated,) 50,000 00 

Paid for medical examiners' fees, 38,512 97 

Paid for salaries and other compensation of officers 

and other office employes, 180,347 05 

Taxes, licenses, fines and fees &c, 59,697 58 

Cash paid for advertising, 81,835 56 

Paid for the following items : Office, law and 

agency expenses, 263,297 43 

Reduction of premiums on U. S. stock,.. 211,112 72 

Reduction on other stocks, 12,030 00 

Deducted for any possible loss by depreciation in 

value of real estate, 250.000 00 



Total disbursements, ■ 5,873,464 25 



Balance Dec. 31, 1877, $33,573,537 31 

IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 3,600,268 07 

Loans on bond and mortgage, (first liens), 15,379,202 23 

Premium notes, loans or liens on policies in force, 695,234 74 
Cost value of bonds and stocks owned absolutely, as 

per Schedule E, 12,875,584 69 

Cash in Company's office and deposited in banks, 

and in course of transmission, all of which has 

since been received and deposited in New York 

banks, 1,216,301 61 

Agent's ledger balances, 56,945 97 

Total, 33,823,537 31 



nkw Yokk 1.1 M 1K8UKAKCB COMPANY, L25 

Deducted for any p. ssible loss by depreciation "f 
real estate or bonds en I mortgagee as per vala* 
stfons made by appraisers of insurance Depart- 
ment, $218,093.96; further dedaotion made l>y 
Company Cor additional security, 181,906.04 850,000 00 



d net or 1 ts, #88,678,687 61 

OTHKK ISS] is. 

Interest due and accrued on bond and mortgage loans, 222, 1 17 58 

Interest due and accrued on bonds and stooks, 80,986 17 

Interest dne and seemed on premium notes or liens 22,640 M 

- due and aooruod on Company's property or lease 9,970 81 

Market value of bonds and stocks over cost, as per 

Schedule E 504,846 64 

premiums due and unreported on policies in 

force Doe. 81,1877 167, US 37 

I def. prins. on policies in force Dec. 81, 1877, 896,289 26 



Total 668,472 68 

Deduct loading on above gross amount 1 12,694 68 

Net amount of uncollected and deferred premiums, 460,778 10 



Total assets 84,844,566 40 

ITEMS NOT ADMITTED. 

Agents' 1 >alances. 56,946 97 



Total, assets (less items not admitted,) $84,787,610 43 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the Blat day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experi- 
ence Table of Mortality, with four per cent, in- 
terest 80,609,524 DO 

Deduct net value of risks of this company re-in- 
sured in other solvent companies, 165,414 00 

■ re-insurance reserve, 80,844,110 00 

Chums for death losses and matured endowment in process of ad- 
justment, or adjusted and not due, 117- 

Claims for death losses and other policy claims resisted by the 

' Company 48, li 

Premiums paid in advance, 17,420 91 

policyholders' account 

Gross surplus oo policyholders 1 eocoont 8,965,112 20 

ml liabilities $84,787,6iq 4:; 

I raiplos seorned on li- 

. which are especially res. 
for that class of policies, | 82 



126 NEW FORK LIFE INSURANCE COMPANY. 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76,.. 781,585 39 
Received during the year, 19,092 61 

Total, 801,278 00 

Deductions during the year as follows : 

Notes, loans or liens used in payment of losses and 

claims, 17,723 09 

Notes, loans or liens used in payment of surrender- 
ed policies and voided by lapse, 52,810 85 

Notes, loans or liens used in payment of dividends 

to policyholders, 20,388 88 

Notes, loans or liens redeemed by maker in cash,... 15,120 41 

Total reduction of premium note account, 106,043 26 

Balance note assets at the end of the year,... $695,234 74 

VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies, including joint-life, 36,437 105,441,392 00 

Endowment policies, 8,728 20,051,534 00 

All other policies, 256 77,590 00 

Reversionary additions, 2,177,957 00 

Total number and amount, 45,421 127,748,473 00 

New Policies issued during the year. 

Number. Amount. 

Whole life policies, including joint-life, : 5,175 14,852,003 00 

Endowment policies, 1,219 3,613,237 00 

All other policies, 136 25,500 00 

Old Policies revived during the year. 

Number. Amount. 

Whole life policies, including joint-life, 64 188,730 00 

Endowment policies, 3 3,500 00 

Old Policies increased during the year. 

Number. Amount. 

Whole life policies, including joint-life, 27,500 00 

Endowment policies, 38, 737 00 

Additions by Dividends. 
Reversiooary additions, 1 ,407,432* 00 

Total number and amount, 52,018 147,905,112 00 

Deduct number and amount ceased to be in force, 6,413 20,003,225 00 

Total number and amount in force Dec. 31, '77, .45,605 $127,901,887 00 



JTORK I. ill' IN8UKAN0K COMPANY. 127 

ret during tht 

Amount 





1,949 12 00 

By U] i : D oo 



ken, 710 M <<» 

d terminated 6,418 120,003,2-2.') «<i 

Polieiea re-inanred 294 2,254,49.5 00 

vm. BUSINESS IX CONNECTICUT IX 

Numl Amount, 

i "it. Deo. ••'•:, 1876 '.'71 l,911),42"i 00 

taring the year ;: >15 00 

: 1,018 -2jnv2.:;\i) mi 

t number and amount eea 77 200,4 

md amount in for :e I '• v. 81, '77.. 941 1,81 l,9( 

Number. Amount. 

id Dee. 81, 1876 I <;. 129 00 

Losses and incurred daring year, 11 24,507 00 

: 16 81,026 '■<• 

Losses and claims on |)i)lici.s paid during year l."i 

ioms ooUeoted 48,104 92 

Schedule A — // my. 

. City 8,12 

in x - 66,619 <)1 

in Brooklyn, X. V 18,878 22 

i:i i X. .1 182,746 50 

44 in v '•. -1 71,127 I 

in State "f X. .1.. 128, 

in Washington, I). 18,820 29 



ScheeUilc i: 



U : — 

.. 





I 

no no 

■'■ II . B 



128 NEW YOHK LIFE INSURANCE COMPANY, 

Par Value. Market Valne. 

U. S. newo's, , 500,000 00 526,250 00 

" 5-20's, 1867, 500,000 00 526,250 00 

" " coupon, 1,004,000 00 1,057,965 00 

" 10-40's, 60.000 00 63.300 00 

" 10-40's coupon, 120,000 00 128,550 00 

" 4's, coupon, 500,n00 00 507,500 00 

Georgia, 3,500 00 3,780 00 

Alabama, 48,000 00 20,400 00 

South Carolina, 28,750 06 15,812 50 

Mississippi Warrants, -. 20,000 00 20,000 00 

Missouri, 100,000 00 104,000 00 

Tennessee, . 20,000 00 7,600 00 

Municipal Bonds : — 

East Chester, 31,000 00 31,665 00 

Brooklyn City, 1,551.000 00 1,691,730 00 

Flushing Water, 80,000 00 80,000 00 

Jersey City, 524,000 00 553,830 00 

Yonkers Town, 175,000 00 190,850 00 

New York City and County, 2,775,000 00 2,977,122 50 

Newark City, 277.000 00 300 975 00 

City of Richmond 50.000 00 59,000 00 

Buffalo, 115,000 00 126,500 00 

Railroad Bonds : — 

New York Central & Hudson River, 1,000,000 00 1,182,500 00 

" and Harlem, 1,000.000 00 1,178,333 33 

Rensselaer and Saratoga, 9,000 00 10,035 00 

Bank Stocks : — 

Merchants, 14,000 00 15,960 00 

Bank of America, 7,700 00 10,626 00 

Bank of the Republic 1,100 00 935 00 

American Exchange Bank, 10,000 00 10,600 00 

Metropolitan, 3,700 00 4,736 00 

Miscellaneous : — 

Delaware & Hudson Canal stock, 61,000 00 33,680 00 

»< " " bonds 250,000 00 250,000 00 

Total cost value, $12,875,584 69 $12,366,750 00 $13,379,930 33 



NORTHW KS1KKN MUTUAL LIF1 INSURANCE CO. 129 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 

Mn.w.u ki r, \Vi>. 
Commenced Business Nov. 25, 1868. 

II. S. Palmer, rrcnirfcnt. Willabd Mekuill, Stcretdry. 

Attorney in Connecticut, H. W. Lyon, Bridgeport. 



Amount of net or ledger assets December 31, 1876, $17,177,137 54 



It. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expensps. 1,41)1, Oil") 39 

Premium notes, loans or liens taken 

in part payment for premiums 523,472 24 

Premiums paid by dividends, includ- 
ing reconverted additions, $203,- 
741.21 : by surrendered policies, 
t98.18S.61, 27G,873 72 



Total premium income 2,292,341 86 

Received for interest upon mortgage loans, 1,070,679 93 

Received for interest upon bonds owned and divi- 
dends on stocks 27,102 54 

Received for interest on premium notes, loans, or 

liens 276,520 41 

Received for interest on other debts due the Com- 
pany, including interest on deposits on deferred 

premiums, 36,970 18 

Received as discount on claims paid in advance,... 20 80 

Received for rents for use of Company's property,. 7,4ftl '.H) 

Total income, 1,711,067 11 

tal 1*0,81 

III. DI8BUB8EMEHTS DUBUKJ THE YEAR. 

Paid fur loMtl and additions 710,188 

an notes, loans or 1; 

in payment of the same 515,6 15 81 

17 



130 NORTHWESTERN MUTUAL LIFE INSURANCE CO. 

Paid for matured endowments and 

additions, 320, 453 93. 

Premium notes, loans or liens used 

in payment of the same, 98,242'03 



Total.amount actually paid tfor 

losses and matured endowments, 1,182,580 82 

Paid for surrendered policies,... 401,710 92 

Premium notes, loans or liens used in purchase of 

surrendered policies, and voided by lapse, 353,497 15 

Cash surrender values, including reconverted addi- 
tions, applied in payment of premiums, 74,151 84 

Cash dividends paid to policyholders, $59,226.92 ; 
same applied in payment of premiums, interest 

and tax, $253,679.54, 312,906 46 

Premium notes, loans, or liens used in payment of 

dividends to policyholders 566,820 38 

Total paid policyholders, $2, 891 , 667. 57 

Paid for commissions to agents, 145,571 22 

Paid for salaries and traveling expenses of man- 
agers of agencies, and general, special and local 

agents, 46,584 36 

Paid for medical examiners' fees, 10,141 43 

Paid for salaries and other compensation of officers 

and office employes, 109,763 33 

State and local taxes and fees in State where organ- 
ized, $8,124.27 ; taxes, licenses, fines and fees 
in other States, $32,870,47, (deducted from divi- 
dends, $15,826.61), 25,168 13 

Paid for rent, less $518. 00 received under sub-lease 9,514 64 

Paid for commuting commissions, 13,520 00 

Paid for furniture and fixtures and safes for home 

and agency offices, 1,417 89 

Paid for advertising, 13,259 16 

Paid for the following items: — Supplies and ex- 
press, $13,906.35, law, loan and claim expenses, 
and official examinations and appraisals, $43,' 
201.99, pay and expenses of trustees and execu- 
tive committee, $8,293.82, postage and exchange 

$15,707.88, other expenses, $8,773.70, 89,883 74 

Debit balance profit and loss, 14,979 85 



Total disbursements, 3,371,471 32 



Balance, .$17,516,753 33 

IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Sched- 
ule A, 935,942 45 

Less depreciation charged to profit and 
loss last year, „..,,,. 67,752 87 868,189 58 



NOKTHWKSTKKN HUTUAL LIFE INSURANCE 00. LSI 

bob bond and mortgage (Aral Inns) 19,808,262 v :'. 

Premium noftea, lomna 01 lieni on policies in f 2,958 89 
Ootl vhIiio of storks ami bonda owned abaolntelj aa 

Sehednla E 782,716 L5 

Cash in Company's offles, including - : of 

:. in transmission, received Jan. 1st and 10th, 106,482 <;•_» 

Cash deposited in banks 166,196 99 

Bills receivable 14,761 M 

Agents' ledger balances, (54,981.21; other lodger 

.nets, Si».7i:>.0-J 57.696 23 

Office furniture at h>ss than half cost, 7,500 00 



Total, [17,516,758 33 

Deduct depreciation from cost of assets, 189,828 00 

Total net or ledger assets, less depreciation, 17,827,425 88 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 4 7'.'. 727 90 

Interest accrued on bonds and stocks 16,824 67 

Interest due and accrued on premium notes, loans or liens, 118,!>o4 11 

ka accrued on Company's property or lease 39") 84 

Market value of bonds and stocks over cost, as per Schedule E, 20,371 02 

Gross premiums due and unreported on policies in 

force Dec. 31. 1877, 81,973 00 

lef erred premiums on policies in force Dec. 
1877, 219,987 25 

Total, 301,910 25 

Deduct the loading on above gross amount, 75,477 55 



Net amount of uncollected or deferred premiums, 226,482 70 



Total assets, 18,190,081 57 

ITEMS NOT ADMITTED. 

Furniture, fixtures, and safes, 7,500 00 

Agents' balances, 54,981 21 

Bills receivable 14,761 54 



Total, 77,248 75 



Total assets, (less items not admitted) (18,112,888 82 



V. LIABILITIES. 

resent value of all the outstanding policial in force Deo. 81, 
1877, computed according to the Actu. tries' or Combined Ex- 
perience Table of Mortality, with four per cent, interest 16,147,605 "<> 

Claims ftps death loSBSI and mntured endowments in 

ess of adjustment, or adjusted and not due,... 1 ' 
Claims for death losses and other policy chums re- 
si »t«d by the Company, 48,500 00 



Total policy claii 198,7 



132 NORTHWESTERN MUTUAL LIFE INSURANCE CO. 

Unpaid dividends of surplus, or other description of profits due 

policyholders, (estimated), , 5,000 00 

Premiums paid in advance $14,885.29, accrued commissions, es- 
timated $2,500.00, reserve on lapsed policie i entitled to paid up 
insurance, $15,322.00, 32,707 29 

Liabilities on policyholders' account, 15,384,020 38 

Gross surplus on policyholders' account, 2,728,818 44 

Total liabilities, $18,112,838 82 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on hand Dec. 31, '76, 3,825,551 16 
Received during the'year for premiums, $523,- 

472.24, for interest, $13,898,64 537,370 88 

t Total, 4,362,922 04 

Deductions during the year as folloics : 
Notes, loans or liens used in payment of losses and 

claims 151,887 87 

Notes, loans or liens used in purchase of surrendered 

policies, and voided by lapse, 353,497 15 

Notes, loans or liens used in payment of dividends 

to policyholders, 566,820 38 

Notes, loans or liens redeemed by maker in cash,... 27,758 25 

Total reduction of premium note account, 1,099,963 65 

Balance note assets at end of the year $3,262,958 39 



VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at the end of the previous year. 

Number. Amount. 

Whole life policies, 26,985 53,026,057 00 

Endowment policies, 8,781 12,941,093 00 

All other policies, 690 1,526,041 00 

36,456 67,493,191 00 



New Policies issued during the year. 

Number. Amount 

Whole life policies, 3,149 7,021,763 00 

Endowment policies, 376 605,370 00 

All other policies, 125 232,409 00 

Old Policies revived during the year. 

Number. Amount. 

Whole life policies, 327 738,463 00 

Endowment policies, 81 125,047 00 

All other policies, 5 6,000 00 



BTOBTHWnmRN KUTUAL L1FI [N8UBAN0I CO. 133 

Policist in ring thi year. 

Number. Amount. 

Whole lift pottetoo, '■'■) 

Endowment policies 11 2,4 

All other poMoilj 1' 

Additions by Dirid* 

Number. Amount. 

Whole life policies, 24,160 00 

Endowment policies 7, l.'»7 00 

All other policies 503,166 00 

Total number and amount 40,684 76,769,466 00 

Deduct policies ceased to be in force 6,768 12,842,608 00 

Total policies in force at the end of the year 34,766 64,416,847 00 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount. 

By death, : 878 719,441 00 

By expiry 828 ,88? 00 

By surrender 1,466 8, 592, 674 <>0 

By lapse 3,1'J6 6,785,877 00 

By change and decrease, 610,867 00 

Not taken. 420 1,065,462 00 

Total terminated, 5,768 $12,342,608 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31, 1876, 41 102,935 00 

Policies issued during the year, 41 93,000 00 

Total 82 196,986 00 

Deduct number and amount ceased to be in force,.... 11 81,846 00 

Total number and amount in force Dec. 31, '77, 71 164,090 00 

Amt. of losses and claims on policies paid during year, 1 900 00 

Premiums collected in cash, 3,013 36 

Schedule A — Heal Estate owned by the Chmpanp. 

Real estate in Milwaukee, Wis., Co.'h building 260,000 00 

Wwonsin, other property, 

1 12,608 56 

Kentucky, 52,01 

Iowa 3,066 84 

ign 22,421 84 

• 

Chicago, 111. 101,021 11 

Illinois, other property 



134 NORTHWESTERN MUTUAL LIFE INSURANCE CO. 

Real estate in Ohio, 61,909 34 

'* Nebraska, 15,927 45 

" Minnesota, ,. 9,223 85 

*♦ Indiana, 32,565 78 

Total, $868,189 58 



Schedule JE — btocks and Bonds owned by the Company. 

Par Value. Market Value 
U. S. and State Stocks : — 

United States 5.20s, 1865, registered 10,000 00 10,275 00 

" " 1867, " 100,000 00 108,450 00 

11 cur. 6s, " 170,000 00 207,400 00 

" 4£s, " 50,000 00 52,008 39 

" 5s, " 50,000 00 53,240 75 

" 6s, " 150,000 00 164,550 00 

Missouri 6s, 50,000 00 53,750 00 

Municipal Bonds : — 

Kansas City, Mo., 8s, 75,000 00 75,810 40 

Green Bay City, Wis., , 21,500 00 22,165 64 

Town of Gale, Trempealean County, Wis., 5,000 00 5,436 99 

Total cost value $732,716 15 $681,500 00 $753,087 17 






PROVIDENT SAVINGS I. IKK 481 CIK'IV. L86 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY, 

Nrw York City. 
Commenced Business, Aug. 10, 1C 
Shetpakd Homans, Prttident. Joseph P. Pennington, 8eer tt mry. 

■ ■•ticut. W. T. Elmeb, Middletown. 






I. CAPITAL. 

Capital stock paid up in cash §126,000 00 

Amount of net or ledger assets Dec. 31, 1876, $12">,451 83 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses 48,02t; ."'.> 

Premium notes, loans or liens taken 

in part payment for premiums 1,317 4T> 

Total 4'.t.;m 04 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
Company, leas - com- 
:jns 3,285 G8 

Total premium income 46,058 36 

Received for interest upon bunds owned and divi- 
dends on storks 6,000 00 

Received for interest on premium notes, loans or 



Received for profits on bonds, stocks, or gold actu- 
ally I t i66 n 

Cash fapoafa 571 01 

• d income 

Total... |17V.t81 96 



136 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY. 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 12,053 47 

Cash paid for surrendered policies and deposits,. ... 3,668 33 

Premium notes, loans, or liens used in purchase of 

surrendered policies, and voided by lapse, 312 98 

Cash dividends paid to policyholders, return pre- 
miums, same applied in payment of premiums,.. 533 48 
Total paid policyholders, $16,568.26 

Paid for commissions to agents, 8,603 61 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 
agents, 1,579 93 

Cash paid for medical examiners' fees, 1,383 76 

Paid for salaries and other compensation of officers 

and other office employes, 10,651 93 

Taxes, licenses, fines and fees in other States, 674 51 

Paid for rent, (less $1,055.01 ; received under sub- 
lease,) 5,308 94 

Paid for commuting commissions, 1,443 80 

Paid for furniture and fixtures and safes for home 

and agency offices, 10 00 

Paid for advertising, 3,044 45 

Paid for the following items : Stationery and print- 
ing, $1,302.79; postagejand exchange, $730.55; 
legal, $281.57; attendance, $117.04, 2,431 95 

Total disbursements, mi 51,701 14 

Balance $127,580 82 



IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Loans made in cash to policyholders, policies as- 
signed as collateral, 129 29 

Premium notes, loans or liens on policies in force, 922 17 
Cost value of bonds and stocks owned absolutely, 

as per Schedule E 119,531 25 

Cash in Company's office and banks, 1,632 57 

Bills receivable, 396 96 

Agent's ledger balances, 4,718 58 

Loan on personal security, 250 00 

Total assets, 127,580 82 

Deduct depreciation from cost of assets, 14, 062 50 

Total net or ledger assets, less depreciation, $113,518 32 

OTHER ASSETS. 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 4,967 19 



PR0Y1DINT SAYINGS EJF1 AS8TJBAK0K BOOTSfT, 137 

Gross deferred premiums i>n poBotoi in Ions Dm, 

91, 1877 10,781 99 

tl 1ft, 748 41 

Deduct the loading on above yross amount 8,149 «iS 

Net amount of unooUed tared premiums ll»,;, . 

Furniture, fixtures ami safes, ^ ommuted commissi. >ns, 

•1,448.80 4,501 11 

Companys own stock, donated to treasury g i 860 00 

Total assets $132,!J71 17 

ITEMS NOT ADMITTED. 

Company's own stock 2,350 00 

Furniture, fixtures and safes, 3,060 32 

mated commissions 1,443 80 

Agents' balances 4,718 58 

Loans on p ourity, endorsed or not, 860 00 

Bills receivable, 3i>0 'JO 

Total 12,219 CO 

Total assets (less items not admitted,) $120,751 51 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force Dec. 31, 1877, computed according to the 
Actuaries' or Combined Experience Table of Mor- 
tality, with four per cent, interest, 31,723 00 

Deduct net value of risks of this Company re-insur- 
ed in other solvent Companies, 1,270 00 

Net re-insurance reserve, 30,453 00 

Premium obligations in excess of the net value of their policies. 

at 4$ per cent., 

Claims for unpaid surrendered values of lapsed polices, 

Claims for death losses and matured endowments in process of 

adjustment, or adjusted and not due, 

Amount due on account of salaries, rent and office expenses, 

Amount of any other liability of the company : Deposits, 

Due for re-insurance, 



Liabilities on policyholders' account, 

Gross surplus on policyholders' account. 



469 45 


4 75 OS 


0,042 51 


;.; 47 




7:: 08 


4..i; 


179 •;•; 



Total liabilil #120,751 51 



VI. l'KKMir.M VM I M. 

.•im notes, loans or liens on hand I). ■«-. .::. ' •'-' 

Rec- g the year. 1 ,811 

• A l t 



138 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY. 

Deductions during the year as follows : 

Notes, loans or liens used in purchase of surrendered 

policies, and voided by lapse, 312 98 

Notes, loans or liens redeemed by maker in cash, 624 61 

Total reduction of premium note account, 

Balance note assets at end of the year, 



937 59 

$922 17 



VII. EXHIBIT OF POLICIES. 

Policies in force at end of previous year. 

Number. Amount 

Whole life policies, 415 650,550 00 

Endowment policies, 57 153,750 00 

All other policies, 439 1,427,400 00 

911 2,231,700 00 

New Policies issued during the year. 

Number, Amount. 

Whole life policies, 66 104,934 00 

Endowment policies, 3 3,000 00 

All other policies, 427 901,900 00 

Old Policies changed during the year. 

All other policies, 7 21,500 00 

Total number and amount, 1,414 3,263,034 00 

Deduct number and amount ceased to be in force, 533 1,111,660 00 

Total policies in force at end of [the year, 881 $2,151,374 00 

Number and amount of Policies which have ceased to be in force during year. 

Number. Amount 

By death, 2 6,000 00 

By expiry,, 47 144,500 00 

Bysurrender, 21 58,750 00 

By lapse, 360 634,000 00 

By change and decrease, 7 45,910 00 

Not taken, 96 222,500 00 

Total terminated, 533 $1,111,660 00 

Policies Re-insured in part. 

Whole life policies, 1 450 00 

All other policies, , 65 281,500 00 






PBOVIDINT SAYINGS LIFI 488URAK0 I V. L89 

VIII. BUSINESS in CONNECTICUT in 1877. 

Nuintu-r. A in. .nut. 

rottoi« in fnroo in Oonpootinot, Deo. 81, 1878 69 98,500 00 

Policies issued during the year 86 52,500 00 

! 78 146,000 00 

Deduct number and unonn I > iu> In force 60,000 <»o 

Total number and amount In force Doc 81, '77. 45 

Nuinh.-r. Amount 

Amt. of losses and claims incurred during year, 1 1,000 <»<> 

Anit. of losses and claims on policies paid during year.. 1 1,000 00 

Prems. collected, 1,158 08 



Schedule? E — Storks and Bond* owned by tin Company. 

Par Value. Market Valiu-. 
-:ocks : — 

U. S. G's, 1S81, registered, 20,000 00 21,250 00 

5,000 00 5,812 60 

consols, lsr 1 ,.-,. reg., 80,000 00 21,025 00 

1867, reg., 50,000 00 68,685 00 

" - :., reg., 6)000 00 5,25G 25 

Total cost value $119,681 25 $100,000 00 $105,468 75 



140 



UNION MUTUAL LIFE INSURANCE COMPANY. 



UNION MUTUAL LIFE INSURANCE COMPANY, 

Augusta, Maine. 

Commenced Business, Oct. 1, 1849. 

John E. DeWitt* President. James P. Carpenter, Secretary. 

Attorney in Connecticut, H. P. Burton, Hartford. 



Amount of net or ledger assets December 31, 1876, $7,860,848 95 



II. INCOME DUKING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 727,360 41 

Premium notes, loans or liens taken 

in part payment for premiums, 303,862 61 

Premiums paid by surrendered poli- 
cies, 400,416 41 

Total, 1,431,639 43 

Deduct amount paid to other Compa- 
nies for re. insurance on policies in 
this Company, 1,189 75 

Total premium income, 1,430,449 68 

Received for interest upon mortgage loans, 266,236 27 

Received for interest on bonds owned and divi- 
dends on stocks, 37,998 55 

Received for interest on premium notes, loans or 

liens, 123,135 28 

Received for interest on other debts due the Co.,...| „ 7 roi 45 

Cash discount on claims paid in advance, ) 

Received for rents for use of Company's property,. 13,716 04 

Received for death claim paid in 1871, party found 

to be living, 5,000 00 

Received for profit and loss on mortgage and real 

estate, 13,171 04 

Total income, 1,927,238 31 

Total, $9,788,087 26 



UNION MUTUAL Ull tHSURAHCI company. 141 

III. DIBBUBSnClirEB DUBING TH1 VK.VK. 

Taid for losses and additions 511,240 

Premium notes, loans or UttM BMd 

in payment of the same :?7 < : , .'»7 88 

Paid for matured and discounted en- 
dowments and additions 207,286 89 

Premium notes, loans or liens used 

in payment of tl.o HUM 61,968 11 



Total amount actually paid for losses 

and matured and discounted endowments, 81 7,8Gl? 86 

Cash p«id to {annuitants 6,999 97 

Cash paid for surrendered policies 186,181 12 

Premium notes, loans, or liens used in purchase of 

surrendered policies, and voided by lapse, 229,126 97 

Surrender values applied in payment of premiums, 400,416 41 

Cash dividends paid to policyholders and applied 

in payment of premiums 90,674 05 

Premium notes, loans or liens used in payment of 

dividends to policyholders 91,332 00 

Total paid policyholders $1,822,592.88 

Paid for commissions to agents, ") 

Paid for salaries, and traveling expenses of mana- 
gers of agencies, and general, special and local 
agents j 

Paid for medical examiners' fees, 13,849 28 

Paid for salaries, and other compensation of of- 
ficers and other office employes, 71,880 11 

Taxes, licenses, fines and fees, 19,374 23 

Paid for advertising, 21,295 29 

Paid for the following items : — Printing, Station- 
ery. <£c, $27,819.86 ; exchange, postage and tel- 
egrams, $12,573.68; traveling expenses, $2,541- 
34 : legal expenses, $19,064.88 ; miscellaneous 
expenses. $88,228.71, 95,242 97 

Total disbursements, 2,232,759 48 



188,524 72 



Balance, $7,555,327 78 



IT. ASSETS, 

AS PER LEDOEB ACCOUNTS. 

Real estate unencumbered, aa per Schedule A., 1,227,981 77 

Loans on bond and mortgage. Hirst liens,) 

Loans secured by pledge of bonds, stocks or other 
marketable collaterals, as p'-r Schedule. C, 

Loans made in cash to policyholder! on this Com- 
pany's policies assigned as collateral, 1,1 

Premium notes, loans or Hens on polktol in force,. I 



142 UNION MUTUAL LIFE INSURANCE COMPANY. 

Market value of bonds and stoeks owned absolutely, 

as"per Schedule E 707,172 50 

Cash in Company's office, 195 51 

Cash deposited in banks, 276,991 71 

Bills receivable, 9,324 07 

Agents' ledger balances, 27,521 74 

Cash in transit Dec. 31, 1877, since received, 3,578 35 

Accrued interest on bonds purchased for cash, 2,771 52 

Judgment vs. Estate of E. Lamson, 8,349 16 

Total net or ledger assets, 7,555,327 78 

Deduct depreciation from cost of assets, 83,275 57 

Total net or ledger assets, less depreciation, 7,472,052 21 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 185,859 70 

Interest accrued on bonds and stocks, 9,*52 51 

Interest accrued on collateral loans, 98 05 

Interest accrued on premium notes, loans or liens, 62,789 3.0 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 54,524 57 

Gross deferred premiums on policies in force Dec. 31, 

1877, 124,830 86 

Total, 179,355 43 

Deduct 20 per cent, on above gross amount, 35,871 08 

Net amount of uncollected and deferred premiums, 143,484 35 

Total assets, 7,873,736 12 

ITEMS NOT ADMITTED. 

Judgment, 8,349 16 

Agents' balances, 27,521 74 

Bills receivable, 9,324 07 

Total, 45,194 97 

Total assets, (less items not admitted,) $7,828,541 15 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the 31st day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experience 
Table of Mortality, with four per cent, interest, 7,543,066 00 

Deduct net value of risks of this company re-insur- 

sured in other solvent Companies, 1,878 00 

Net re-insurance reserve, 7,541,188 00 

Claims for matured endowments due and unpaid,.. 8,550 00 

Claims for death losses and matured endowments in 
process of adjustment, or adjusted and not due. . 216,645 75 

Total policy claims, 225,195 75 



UNION MUTUAL LIFI INSURANCE COMPANY. L48 

Unpaid dividends of surplus, or other deseription of profits due 

policyholders 26,616 06 

Premiums paid in advance 15,084 77 

Surrender values due ami unpaid, 2,828 85 

Unpvetwntad accounts , L0 t 286 21 

Julities on policyholders' aeeount 7,820,648 L4 

(Horn surplus on policyholders' account 7,898 01 

:al liabilities $7,828,041 15 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes, loans or liens on baud Dec. 31. '70, 1,881,666 24 
•ived during the year. 868,686 G9 

Total, 2,215,252 93 

Dtduetiont during the i/mr as follows: 
Notes, loans, or liens used in payment of losses and 

claims, 99,885 31 

. loans or liens used in purchase of surrender- 
ed policies, and voided by lapse, 229,126 'J 7 

. loans or liens used in payment of dividends 

to policyholders 91,882 00 

Notes, loans or liens redeemed by maker in cash,.. 307,2(54 03 

Total reduction of premium note account, 727,058 34 

Balance note assets at end of the year, $1,518,194 59 

VII. EXHIBIT OF POLICIES. 

Policies and Additions in force at end of previous year. 

Number. Amount. 

Whole life policies 13,886 81,888,629 00 

Endowment policies, G,031 8,576,576 00 

All other policies, ;,_<: 1,064,000 00 

20,444 40,979,204 00 

'/ during the pear. 

Number. Amount. 

life policies. 1,711 2,886,466 00 

Endowment policies, B06 058 00 

All other policies, 7 00 no 

Old 1'olicUs revived during th> jf 

Km -unt. 

Whole 'ife policies, 965,700 00 

Endowment policies, 



144 UNION MUTUAL LIFE INSURANCE COMPANY. 

Old Policies increased during the year. 

Number. Amount. 

Whole life policies, 3,967 00 

Endowment policies, 24,178 00 

Total number and amount, 23,450 45,768,621 00 

Deduct policies ceased to be in force, 5,319 11,386,803 00 

Total policies in force at th© end of the year,.. ..18, 131 $34,381,818 00 

Number and amount of policies which have ceased to be in force during the year. 

Number. Amount, 

By death, . 254 583,500 00 

By expiry and discounted endowments, 214 282,905 00 

By surrender, 1,518 3,248,450 00 

By lapse, 2,792 5,614,350 00 

By change and decrease, 723,668 00 

Not taken,. ., 511 933,930 00 

Total terminated, 5.319 $11,386,803 00 

Policies He-insured. 
Whole life policies, 10 40,000 00 

VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. Amount. 

Policies in force in Connecticut, Dec. 31st 1876 209 341,358 00 

Policies issued during the year, and re instated and in- 
creased, - « 5 6 > 965 00 

Total, 251 398,323 00 

Deduct number and amount ceased to be in force, 60 92,233 00 

Total number and amount in force Dec. 31, '77,. 191 306,090 00 

Number. Amount. 

Losses and claims on policies unpaid Dec. 31, '76 1 LoOO 00 

Losses and claims on policies incurred during year, 2 2,000 00 

Total, 3 3 ' 50000 

Losses and claims on policies paid duiing year, 2 2,500 00 

Premiums collected i ' 

Schedule A— Heal Estate owned by the Company. 

Real Estate in Nebraska, 155,130 00 

" in Chicago, 566,552 15 

« in Indiana, 84,495 78 

" in Pennsylvania, 6,500 00 

in Ohio, 59,966 19 

in New York, 8>' 5 °° 00 

in Maine, 400 00 

in St. Louis, 144,158 55 

Boston, 33,287 50 

Company's building 215 > 92 ° 48 

$1,274,910 65 



UNION MUTUAL UFR INSURANCE OOMPANT. 
s<-hi'(iiii<> i\ Loant on Collateral, 

l\ir \ ':i]u.-. M.'llkrt Value. 

ooupon, 1891, 10,000 00 10,887 

U. B, 10,000 00 10,687 BO 

8.600 00 10,850 00 

Bd Avenue EL i; . N i ricOitj 5,100 00 7,140 00] 

Ohioago, OolnmbnsA End. K. B 8,000 00 > 

Assignment of mortgage of real estate in 

Laf 10,700 00 10,700 00 

: $43,800 00 |49,66JS 00 



146 



A int. LOAMd. 

10,000 00 
10,000 00 

i.ihk; mi 

7,461 H 

J, KM) (III 

182,867 44 



§<*li«'tliil<' E—btoeki and Bond* owned by the Company. 

Par Value. Market \\\\\w, 
V. S. am> State Stocks : — 

U. S. 6's, gold, 1881 100,000 00 106,626 00 

Id, 1881, 106, ooo 00 110,643 75 

*• 4's. gold, 1907, 25,000 00 25,218 76 

State of Maine. 1889 100,000 00 112,000 00 

" Pennsylvania, 1892-1902 10,000 00 11,060 00 

14 Connecticut, 1897, 10,000 00 10,000 00 

Mimcipal Bond- : — 

City of Bangor. Maine, 1905, 100,000 00 106,000 00 

14 Lewiston, Maine, 1901 20,000 00 21,100 00 

•' Portland, Maine. 1896 50,000 00 58,000 00 

'• New Bedford, Mass. 11)01-1902, 26,000 00 L'.-,,750 00 

11 Providence, K. L, 1900, 25,000 00 26,626 00 

14 Portsmouth, New Hampshire, 1880, 6,000 00 5,050 00 

' Wilmington, Delaware, IS97 5,000 00 5,100 00 

14 Kichmond, Virginia, 1908, 10,000 00 12,(00 00 

14 Toledo, Ohio, 1880-1881, 34,000 00 84,000 00 

11 Chicago, Illinois. 1881, 1,000 00 1,035 00 

•• New York, 1880, 10,000 00 10,460 00 

Kaieeoad Bonds : — 

Lowell ft Andover, 1894, 20,000 00 20,00) 00 

Total, $655,000 00 $G9G,247 50 

L9 



146 UNITED STATES LIFE INSURANCE COMPANY, 



UNITED STATES LIFE INSURANCE: COMPANY, 

New Yoke City. 

Commenced Business, March 4, 1850. 

James Buell, President. C. P. Fealeigh, Secretary. 

Attorney in Connecticut, O. L. Hatch, Hartford. 



I. CAPITAL. 

Capital stock paid up in cash, $250,000 00 

Amount of scrip capital, 150,000 00 

Amount of net or ledger assets December 31, 1876, $4,001,828 73 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
duction for commissions or other 
expenses 898,651 64 

Deduct amount paid to other Compa- 
nies for re-insurance on policies in 
this Company, 13,309 94 

Total premium income, : 885,341 70 

Received for interest upon mortgage loans, 166,560 48 

Received for interest on bonds owned and divi- 
dends on stocks, 98,597 29 

Received for interest on premium notes, loans, or 

liens, 13,806 04 

Received for interest on other debts due the Com- 
pany, 7,479 97 

Received as discount on claims paid in advance,... 1,541 43 



Totalincome, 1,173,326 91 



Total, $5,775,155 64 



III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 300, 724 12 

Premium notes, loans, or liens, used 

in payment of same, 23,290 19 

Total amount actually paid 
for losses and matured endowments, 324,014 31 






UK1TKD BTATKS L1F1 INSURANCE COMPANY. 147 

Paid for surrendered polioiea 804,20 

Paid for BurTond m 90,260 52 

I iivi lea la : .•• applied 

in payment of premium 97,441 97 

26,81 ■■ 7.". 

: >r oommif 159,297 78 

raofagen 

'. and 1" al igenta 1.17.". 18 

iminera* fcea 19,528 28 

- and other o tmpensation »>f offloera 

1 other oAoe employea 56,188 »-'> 

i, lioenaea, fines and f eea in othi i>,.">ii 94 

nl 9,96 

paid tor adrertiaing 88,988 91 

nringitema: Printing, exohai 
law i an 1 mi- 

Ian eons sxpeni L3.53; Loss realised >>-i 

sale of red estate bought in npon foreolosnre, 

69,286 58 

Co liabn wmenta 1,206,409 69 

H.dance Dec. 81, 1>77 |4,668,745 95 



IV. ASSETS, 

l'EK LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 7'.»..>7 si 

Loans on bond end mortgage, (first liens) 2,820,871 it 

. oi other 

marketable oollatei Schedule C, 889,100 00 

Loans or 1. lieiesin fores 186,864 8-1 

i ilue of b<>: i k^ owned absoinieij 

per- 1,588,095 47 

Boa -"'ii 4o 

180,992 

Bills r 38 51 

Agent cured 19,558 60 

1 

Deduc bo bring 

•t value, 4,458 k 

d net or ledger assets, less depreciation 12 51 

OTSD 

'1 "I 

Interest due an 21,1 

Interest due and accrued on coll.it> r.tl loans 1-7 

st due end 



143 UNITED STATES LIFE INSURANCE COMPANY. 

Market value of bonds and stocks over cost, as per 

Schedule E., 72,020 34 

Gross premiums due and unreported on policies in 

force Dec. 31,1877, 57,005 98 

Gross def. prms; on policies in force Dec. 31, 1877, 114,010 24 



Total, 171,016 22 

Deduct loading on above gross amount, 34,203 24 

Net amount of uncollected and deferred premiums, 136.812 98 



Total assets, > 4,828,931 02 

ITEMS NOT ADMITTED. 

Agents' balances, 19,553 60 

Bills receivable, 9,588 51 

Total, 29,142 11 



Total, assets (less items not admitted,) $4,799,788 91 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the 31st day of Dec. 1877, computed ac- 
cording to the Actuaries' or Combined Experi- 
ence Table of Mortality, with four per cent, in- 
terest, 4,295,996 00 

Deduct net value of risks of this company re-in- 
sured in other solvent companies, 19,011 00 

Net re-insurance reserve, 4,276,985 00 

Claims for death losses due and unpaid, 1,000 00 

Claims for death losses and matured endowments in process of ad- 
justment, or adjusted and not due, 83,460 00 

Claims for death losses and other policy claims resisted by the 

Company, 19,500 00 

Premiums paid in advance, $4,270.26 ; liability on lapsed policies 
presentable for surrender, $19^830.00; accrued rents and nn- 
presented accounts, $4,722.91, 28,823 17 

Liabilities on policyholders' account, 4, 409, 768 17 

Gross surplus on policyholders' account, 390, 020 74 

Total liabilities,.. $4,799,788 91 



VI. PREMIUM NOTE ACCOUNT. 

Loans or liens on hand Dec. 31, '76, 155,470 66 

Received during the year, , 18,440 75 

Total, 173,911 41 



UNITED STATES LIFE insikanvk COMPANY, L49 

Induction* during the year aefoUoto*. : 

\ . loans or lions need In payment <d" losses ind 
olaima B 89 

\ loans or lions n^» J in payment of ■nrrender- 

ed policies and voided by lapse 1 1,680 68 

. loans or lions rsdsemsd by maker In cash.... 22,866 75 

j rednotion of preminm nots aooonn( 87,8 

Balanoe nots assets nt the end of the year $186,854 B4 



VII. EXHIBIT OF POLICIES. 
Polieiet in form at end of preview year. 

Number. Amount. 

Whole life policies, B,828 16,868,218 00 

Endowment policies 1,847 8,416,944 00 

All other policies, 183 500 00 

Total number and amount, 10,808 20,886,662 00 

/ during tin year. 

Number. Amount. 

Whole life policies, 2,323 6,161,770 00 

Endowment policies 660,666 00 

All other policies, 1,218 2,642,180 00 

Old Polteiei revived during the year. 

Number. Amount. 

Whole life policies 61 118,250 00 

Endowment policies 15 86.000 00 

All other policies 2 6,000 00 

Ol> : increased and changed during tin year, 

Number. Amount. 

Whole life policies Ki 48,000 00 

al policies. 8 10,000 00 

All other policies, q 10,200 00 

Total nnmhf-r and amount, II ,512,617 00 

Deduct number and amotmf to be in fores 8,420 122,427 00 

■ .1 number and amount in force Dec. 81, '77,. 11,080 §21,190,190 00 

luring (hi % 

Number. Amount. 

By death l.:7 

i.iry. W | .i 

1,07 



150 



UNITED STATES LIFE INSURANCE COMPANY. 



By lapse, , 2,178 

By change and decrease, and correction, 27 

Not taken, 637 

Total terminated, ; 3,420 

Policies re-insured, 66 



5,156,490 00 

207,840 00 

1,475,000 00 

$8,322,427 00 
383,700 00 



VIII. BUSINESS IN CONNECTICUT IN 1877. 

Number. 

Policies in force in Connecticut, Dec. 31, 1876, 245 

Policies issued during the year, 89 

Total, 334 

Deduct number and amount ceased to be in force, 14 L 

Total number and amount in force Dec. 31, '77,. 193 

Number. 

Losses and claims on policies incurred during year, 8 

Losses and claims on policies paid during year, 5 

Premiums collected, 



Amount, 
423,960 00 
157,140 00 



581,100 00 
265,500 00 



315,600 00 

Amount. 
29,310 00 
12,310 00 
7,016 10 



Schedule A — Real Estate owned by the Company. 

Real Estate in New fork City, 56,738 96 

" in New York State, 10.788 89 

" in Indiana, 7,606 55 



$75,134 40 



Schedule C — Loans on Collaterals. 



Par. Value. 
3,000 00 
1,000 00 
50,000 00 
United States 6's, 1881, 4,000 00 



Brewers & Grocers Bank, 

Importers & Traders National Bank, 
Assignment of mortgages on real estate, 



Market Value. 

2,700 00 

2,050 00 

50,000 00 

4,275 00 



Dime Savings Bank, Chicago, 



3,000 00 



United States 5-20's, 1865 295,000 00 312,331 25 



Amt Loaned. 
2,000 00 
1,600 00 
30,000 00 
4,000 00 
1,500 00 
300,000 00 



Total, $356,000 00 $371,356 25 $339,100 00 



Schedule E— Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

United States, 5-20's, 1865, 58,550 00) 

*< « 1867, 4 ; 600 00) 

6's, 1881...! 70,000 00 

5's, 1881, 50,000 00 

Municipal Bonds : — 

City of New York, Central Park, 1887, , 7,000 00) 

5,000 00 f 



1898, 

improv. 1879,. 



65,418 31 

74,812 50 
52,750 00 



19,200 00 



6,000 00^ 



121,000 00 
825,11 ) 






UNHID BTATB MM ENBURANOI OOMPANY, L51 

Par Value Market Valoe 

>rk Improvement, 1889 15,000 I 67800 00 

Stivt Improvement, 1878 50,00 

unulated debt, 1887, 100,000 

10,000 ooi 

>. irk Co aeoumulated debt, 1884 844,500 00) 

55,500 OOJ 

I unty soldiers bounty, 1886 16,000 00 16,050 00 

City of Brooklyn, Pal. lie Park, 1915 40,000 00 46,800 00 

Water Loss, 1881 6,000 <><>^ 

1886 6,000 00 

- - ] M 17,000 OOI i 82f46000 

1896, 20.000 00 i 

44 78,000 00 ! 

1902 50,000 0oJ 

44 Improvement, 1881, 1,000 00 1,01'-) 00 

" Ghieego 50,000 00 500 03 

'• Buffalo 25,000 00 28,000 00 

•• Buffalo, apeeialloso 115,000 <><> 119,600 00 

South Nonvalk. Conn, Water Fund, 100,000 <>o 106,000 00 

Krit- County bonds 26,000 00 27,600 00 

Jersey City Water Loan, 1898 „ 2,1 00 00") 

1891 2,000 00 14,420 00 

1888 10,000 on) 

Bonds, 1888, 15,000 00) 

•• 1881 l.oooiKi- 17,610 00 

•• i--" l.ooo oo) 

Soldi. -rs Bounty, 1884, 18,000 00 18,520 00 

Revenue bonds, 1886 60,000 00 64,800 00 

District Columbia 8-65'm i.'.o.ooo 00 lie:;:.". 00 

50,000 00 mi on 

War Enlistment, 1888 5.000 00 5,250 00 

Oo. N. Y. '83, 1 0,000 oo v 

14 '81, 8,500 oo 14,645 00 

44 '88, l,ooo oo) 

Richmond County, N r Y., 2,500 00 "J. .".7". 00 



Total $1,588,095 47 91,545,150 00 $1,605,115 81 



152 WASHINGTON LIFE INSURANCE COMPANY. 



WASHINGTON LIFE INSURANCE COMPANY, 

New York City. 

Commenced Business Feb. 2, 1860. 

Cyrus Curtiss, President. William Haxtun, Secretary. 

Attorney in Connecticut, Frederick, Wood, Bridgeport. 



I. CAPITAL. 

Capital stock paid up in cash, $125,000 00 

Amount of net or ledger assets December 31, 1876, $4,871,50-1 20 



II. INCOME DURING THE YEAR. 

Received for premiums without de- 
ductions for commissions or other 
expenses, 977,627 55 

Premiums paid by dividends, includ- 
ing reconverted additions, 6,211 61 

Total premium income, 983,839 16 

Received for interest upon mortgage loans, 145,648 04 

Received for interest upon bonds owned and divi- 
dends on stocks, 141,158 49 

Received for interest on loans, or liens 2,533 52 

Received, for interest on other debts due the Com- 
pany, 3,936 09 

Received as discount on claims paid in advance,... 1,909 16 

Received for profits on bonds, stocks, or gold actu- 
ally sold, 1,253 81 

Total income, 1,280,278 27 

Total, $6,151,782 47 

III. DISBURSEMENTS DURING THE YEAR. 

Paid for losses and additions, 325,441 63 

Paid for matured endowments and 

additions, 68,484 08 



Total amount actually paid for 

losses and matured endowments, 393,925 71 



WASHINGTON LIF1 INS TRANCE COMPANY. 153 

Cash paid for annuitants 1,465 48 

Paid for surrendered polioiei 283,107 G6 

Cash surrender values. Including reconverted addi- 
tions, applied In payment of premiums, and re- 
turn premiums, 14,070 17 

Cish dividends paid to policyholders, same applied 

in payment of premiums 170,946 00 

Total paid policyholders 1868,816 OS 

Paid stockholders for interest or dividends ( .i.:>18 22 

Paid for commissions to agents, 62,962 90 

Paid for salaries and traveling expenses of man- 
agers of agencies, and general, special and local 
agents 7,600 03 

Paid for medio d examiners' fees, 5,990 50 

Paid for salaries and other compensation of officers 

and office employes, 47,442 76 

lines and fees in other States, 7,236 29 

Paid for rent 7,500 00 

Paid for commuting commissions, 27,532 10 

Paid for advertising 15,313 16 

Paid for the following items : — Exchange and post- 
age, $8,164.99 : printing and stationery, $8,676.- 
22 : agency expenses, $26,098.84 ; interest £!»44.- 
CC : loss on sale of $100,000.00 bounty loan, $],- 
490.62, 35,275 33 



Total disbursements, 1,079,206 31 



Balance, $5,072,576 16 



IV. ASSETS, 

AS PER LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A., 227,551 15 

Loans on bond and mortgage (first liens), 2,345,366 71) 

Loans made in cash to policyholders on this com- 
pany's policies assigned as collateral, 15,408 24 

Cost value of stocks and bonds owned absolutely as 

per Schedule E 2,195,716 30 

Cash in Company's office, 4,648 94 

Cash deposited in banks. 266,907 12 

Agents' ledger balances 17,777 62 

Total net or ledger assets, 5,072,576 16 

OTin 

Interest due and accrued on bond and mortgage loans, 12,4 

Interest due an 11,: 

Interest due and accrued on collateral loans, 1,682 66 

Market value of bonds and stocks over cost, M per Bflhednl* I . 126,408 7 ) 

20 



154 WASHINGTON LIFE INSURANCE COMPANY. 

Gross premiums due and unreported on policies in 

force Dec. 31, 1877, 37,353 69 

Gross deferred premiums on policies in force Dec. 

31, 1877, 109,456 96 

Total, 146,810 Go 

Deduct the loading on above gross amount, 29,362 13 

Net amount of uncollected or deferred premiums, 117,448 52 

Total assets, 5,371,028 15 

ITEMS NOT ADMITTED. 

Agents' balances, 17,777 62 

Total assets, (less items not admitted), $5,353,250 53 



V. LIABILITIES. 

Net present value of all the outstanding ^policies in force Dec. 31, 
1877, computed according to the Actuaries' or Combined Ex- 
perience Table of Mortality, with four per cent, interest, 4,726,059 00 

Claims for death losses due and unpaid, 982 64 

Claims for death losses and matured endowments in 

process of adjustment, or adjusted and not due,... 14,746 84 

Claims for death losses and pother policy claims re- 
sisted by the Company, 17,000 00 

Total policy claims, 32,729 48 

Amount of unpaid dividends to stockholders, 78 75 

Amount due on account of salaries, rents and office expenses, 3,250 00 

Premiums paid in advance, 8,910 97 

Liabilities on policyholders' account, 4,771,028 20 

Gross surplus on policyholders' account, 582,222 33 

Total liabilities, $5,353,250 53 



VII. EXHIBIT OF POLICIES. 
Policies and Additions in force jit the end of the previous year. 

Number. Amount. 

Whole life policies, 8,575 20,085,334 26 

Endowment policies, 2,324 4,261,171 92 

10,899 24,346,506 18 

New Policies issued during the year. 

Number. - Amount. 

Whole life policies, 948 1,776,415 00 

Endowment policies, , 265 369,175 00 



WA8HI1 UK INSURANCE 0OMPAN! 165 

•/ during ('<< pear. 

tar. Amount 

Whole life | 

irmeni polioiea 10 

.ud amount 12, 26, 

It.) beinforoe, • 4,617,396 

end of the your 10, 144,981 18 

31, L877 

.1 10,229 23,127,548 L6 

/ fa ; '.- fa /w, during ., 

Number. mat 

th lift 292,576 00 

Bj surrender B38 2,055,660 00 

IK expiry, matured 10 6 !. M 

By lapse 1,716,800 

ken 272 1-7.- 

Total terminated, 2,078 $4,617,395 00 

VIII. BUSINESS EN CONNECTICUT IN 1877. 

Number. Amount 

Policies in force in Connecticut, Dec. 81, l s 7<"> 7"> 305 00 

Policies Issued during the year '.) l-.i:.o 00 

Total 8-1 195,255 00 

Deduct number and amount ceased to be in force JL 89,700 00 

Total number and amount in f 31, '77, 68 155,555 00 

Losses and claims on policies incurred during year, 2 10,215 ~>l 

Ami of loawe and claims on policies paid during \ 1 8,696 

Premiums colle b I }.; 

*«*li«*«lnlc' A I: -iny. 

Eeal Estate ii 46,022 

in ! 9, 1.'. I 

in 

in K 120,281 w 

Iowu 2,028 12 

in 111; 8,687 71 

; 15 



156 WASHINGTON LIFE INSURANCE COMPANY. 

Schedule E — Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States 6's, 1881, reg., 510,000 00 543,150 00 

Municipal Bonds : — 

City of New York, 7's, reg., 940,000 00 1,090,400 00 

" " 5's, reg., 272,200 00 272,575 00 

" Brooklyn 7's, reg., 260,000 00 299,000 00 

" Brooklyn 6's, reg., 100,000 00 107,000 00 

Kingston 7's, coupon, 9,000 00 9,000 00 

Total cost ralue, $2,195,716 30 $2,091,200 00 2,321,125 00 



158 



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REPORT OF THE INSTKANVK 0OMMI8SIONKB. 179 



i re, 

The Connection! companies, (omitting the CharterJOak) hold 
amounting to 1,247.54 a gain over Laat year of 12,382,506.49. 

The olaaaee of investments, and the per centage of each class, are 
given in Tables i ind 2, pp. 168 and 164. The percentage Loaned on 
bond and mortgage is 54.80; invested in storks and bonds, 16.86; 
invested in real estate, 6.20; held in premium notes, 18.02. The 

real (.state owned, and held as security for loans, amounts to $55,500 r 
813.40, from which an income of 1,3,499,577.15 is derived, or 8 
per cent This is a higher rate of income than can be derived frdm 

any other class of investments nnw attainable, and more than two per 
cent higher than the income from government bonds, or the best 
class of State bonds. Indeed, if the companies were to convert all 
their assets into government bonds at the present prices for that class 
of securities, they could not conform to the lawful requirements as to 
an established rate of interest, and would place themselves in danger 
of future insolvency. 

Life insurance companies, like savings banks, have, in times past, 
loaned their money upon real estate security at a valuation higher 
than seems judicious at the present time, but, unlike savings banks, 
they are not exposed to the sudden ami capricious demands of their 
creditors. Their obligations extend over such long periods of time 
that they are not, except as the result of the grossest mismanagement, 
called upon to sacrifice their property during a period of temporary 
depression in its market value. 

The reduction in the nominal value of real estate, has caused much 
adverse criticism upon this class of assets. It is believed, however, 
that it has now reached its lowest point of productiveness, and 
that experience will confirm the soundness of the accepted [opinion 
of the past, that for the permanent investment of trust funds there 
is no security superior to that afforded by carefully selected, pro 
ductive property of this character. During the past year the companies 
'nave increased their real estate owned $1,879,925.07, wholly by fore- 
I, and their loans on mortgage security, $1,922,- 
125.24. 

In Stocks and bonds our life companies have invi ! ,080.- 

71. or L 6.86 of their assets, from which they derive 1908,583.60, or 
o.'m per cent 

ace of the companies of other Stat bstantially 

the same as that of our own. 



180 REPORT OF THE 



LIABILITIES. 

The total liabilities of our life companies, (omitting in this as in all 
subsequent calculations, the Charter Oak,) amount to $83,105,218.05, 
of which $80,469,371.00 is the reserve held for future and remote ob- 
ligations. The immediate liabilities amount to only $2,635,847.05. 
This shows a surplus of assets over liabilities of $7,869,029.49, or 
8.65 per cent. Table 3, page 165, presents the details of this ac- 
count. 



INCOME AND EXPENDITURES. 

The total income of the Connecticut companies for the past year 
was $17,870,861.72 — a decrease from the previous year of $1,323,- 
002.23. The expenditures were $15,598,674.92, or an increase of 
$1,110,568.24 over the year before. The increase in the amount paid 
to policyholders, on policy claims and for surrendered policies, was 
$1,438,752.19, or $328,183.95 more than the total increase of ex- 
penditures. The expenses of management and dividends were largely 
reduced. By putting into the account of expenditures large amounts 
of debts considered doubtful or bad, and charging' to same account 
the shrinkage in the value of stocks and bonds, the ratio of expend- 
itures to income was, in some cases, seemingly largely increased over 
former years. 

The total cash premiums and premium note income of the compa- 
nies for the past year amounted to $13,325,483.77. This sum repre- 
sents the amount contributed to the companies by the policyholders. 
The amount actually returned to them during the same time, in the 
form of cash for death claims, matured endowments, surrendered 
policies and dividends, and return of premium notes, was $13,161,- 
462.85. At the same time the amount added to the fund held in re- 
serve for the security of future payments to policyholders, and care- 
fully invested, was $2,382,506.49. These figures illustrate true life 
insurance, and the sound principles upon which our companies are 
managed. The amount paid for salaries and other personal services 
in transacting the business of the companies, was $442,727.97, or less 
than fifty per cent, of what was received for [interest on bonds and 
dividends on stocks. 

These statements are verified in Tables 4, 5, 6 and 7, pp. 166, 167, 
168 and 169. 






INSURANCE COMMISSIONER. 181 

BUBTO8 in OOHV BOl [CUT. 

The Connecticut companies issued -'{'U policiefl more in this State 
last year than the year before, covering $98,407 more insurance. 
Tfcey collected $31,981.22 leas on premium account, and paid $12,- 
376.16 lean for loeaea and claims. These figures show a very decided 

improvement on those of a year ago. The improvement in the busi- 
in the State was all in favor of the home companies. 

The total number of policies issued in Connecticut during the past 
year by all the companies doing business in the State was 104 more 
than the year before — the amount insured was $352,387 less — the 
amount collected in premiums Mas $125,4S5.34 less, and the amount 
paid for losses and claims, $66,168.24 less. 

For details see page 170, Table 8. 

COMPARATIVE BUSINESS OP 1876 AND 1877. 

The companies of this State issued last year 19,505 policies, insur- 
ing $31,856,900, against 19,767|policies, insuring $35,327,246 the pre. 
ceding year — a loss in number of 262 policies and $3,470,346 in the 
amount insure I. 

The companies of other States, doing business in this State, issued 
44,869 policies, insuring $97,929,133 — a falling off from the previous 
year of 0,413 in the number of policies, and $2 1,6 J 0,755 in the 
amount insured. 

See page 171, Table 9, for details. 

OUTSTANDING INSURANCE. 

At the close of last year the Connecticut companies showed, as 
compared with the previous year, a decrease of the number of poli- 

S in force, of 4,20'J, and of the amount insured, $22,044,014. The 
companies of other States a decrease of 15,848 policies, and of the 
amount insured, $48,501,483. The classification of policies in force, 
and details of this account, may be found in Table 10, page 172. 

] i:i:mi.vatiox of FOLD OS, 

The number of poHcief of the Connecticut companies that termi- 
nated last year was 26,168, insuring $57,787,296. Tnii is in ei 
of the year ; in number, and $3,301,687 in amount The 

terminations by death a I more in number, and $389 847 

more in amount; by expiry, 18 leM in number, and $122,949 leaf in 

amount : by surrender, 1,549 more m number, and $8,210,898 more in 



182 REPORT OF THE 

amount; by lapse, 1,5*75 more in number, and $774,866 less in 
amount; by change, 44 more in number, and $880,575 more in 
amount; not taken, 68 less in number, and $192,108 less in amount. 
The experience of the companies of other States is substantially the 
same. 

It will be seen that two-thirds of the policies that terminate do so 
by surrender and lapse. The percentage of lapses was less last year 
than the year before. 

Tables 11 and 12, pp. 173 and 174, give this account in detail. 

On the subject of the termination of policies Commissioner Forster, 
of Pennsylvania, very properly corrects a prevailing error. 

* ! The impression prevails," he says. " that it is to the advantage of compa- 
nies to have their policies lapse for non-payment of premiums; that as 
a rule they contrive to bring about this method of termination, and then 
refuse an equitable settlement with policyholders. This impression is, to a 
great extent, founded upon misconception. The policyholder who pays one or 
two premiums and then discontinues payment, does a positive injury to the com- 
pany. The cost of carrying his insurance and procuring a substitute is, in many 
cases, greater to the company than the amount of premiums paid, and he is en- 
titled to no return. 

" A large proportion of the forfeited policies are of this character. Then it 
must be remembered that policies on good lives, which it is desirable for the 
company to keep, are much more likely to lapse for non-payment of premiums, 
than policies on bad lives, which it is desirable for the companies to lose. The 
latter class make every exertion to keep their policies alive, while the former 
are indifferent. The body of the company's policies are deteriorated by the 
lapsing process. The company is damaged by the desertion of its best lives — 
and yet this class of policyholders are very apt to feel aggrieved if a large pro- 
portion of premiums are not returned to them when they retire." 

NUMBER AND AMOUNT OF CLAIMS BY DEATH. 

A full and detailed account of the number and amount of claims by 
death for the past three years, is given in Table 13, page 175. The 
uniformity in the ratio of claims to policies, and losses to amount in- 
sured, from year to year, will be observed. 

PREMIUM NOTE ACCOUNT. 

Table 14, page 176, shows the premium note account of the compa- 
nies for the past two years, with the ratio of notes to premium re- 
serve and to gross assets. 

NUMBER AND VALUE OF POLICIES. 

A detail of the policy account of all the companies doing business 
in this State, is given in Tables 15 and 16, pp. 177 and 178, with the 
average amount of each policy and the average value of each. 



KANOI OOMMISB] 183 



l.in: UTO1 i:an< I m mm:-. 

amount of now business acquired by our life insurance compa- 
nies for the past year shows a gradual improvement over previous 

b. With a reetoratioD of activity in other business pursuits it is 
believed that it will resume its former flourishing condition. Cuni- 
pared with sa\ iiii_r- banks, or any other class of institutions designed 
for the custody of trust hinds, oar Life companies have a 

rd that is not to their discredit. Only two companies in the 
history of life insurance in Connecticut have failed to meet 
promptly all their obligations at maturity, and one of these il is 
expected will yet l>e restored to solvency. Of those now remaining 
in good Btanding, nothing in the future can be more certain than 
that they will continue to faithfully discharge every obligation 
which they have assumed. 

Mr. Pillsbury, the veteran Commissioner of New Hampshire, puts 
the case fairly when lie says : — 

•vithstanding the fact that a few failures have occurred in life insurance, 
it must be confessed that no other class of financial iustitutions or business en- 
terprises have withstood the long-continued depression equal to the older ok 
life-insurance companies. They have continued to pour out their millions every 
year anio: - and orphans and other claimants, relieving want and em- 

barrassment through all this time of greatest need. The life-insurance compa- 

in this country paid back or returned to their policyholders during 1877, for 
death-losses, endowments, annuities, dividends, and surrender-values, be- 

:i sixty and seventy millions of dollars, and they now hold over .* 40' ».<><)(), 000 
of assets, with a surplus above computed liabilities of over $60,000,000. The 
failures that have occurred have been shown to have occurred through incompe- 
tent management or criminal villany, in every instance, and cannot, therefore, 
be urged as arguments against the importance, feasibility, or usefulness of the 
institution itself. It is fair, therefore, to presume that life-insurance compa- 
• to profit from a general revival of business, and that, hav- 
ing ■arrived the long strain, they will enjoy the confidence and appreciation of 
the intelligent public to a degree unknown before."' 

real interest to the State cannot he over- 
looked. The heavy public burdens placed upon the companies Bhould 

unend them to the n. rous treatment in every other re. 

Mate draws from them in taxation an amount wholly 

disproportionate to t ; : the protection afforded them. Since 

l B72 tli' paid directly into the treasury «>f the State 

in thi> form, the sum of |! The magnitude of this sum 

may beet be appreciated by placing if at the side of that which may be 
purchased with it. In 1872 the State commenced the erection of a 
Capitol of the most magnificent proportions. That building will 



184 



REPORT OF THE 



stand for centuries to testify to the royal taste and architectural skill 
of its projectors. Yet its cost to the State, in its completion, will be 
less than the sum raised as before stated since its corner-stone was 
laid. 

THE POLICY CONTRACT. 

There is no subject that forms so frequent an occasion for appeal- 
ing to this office for interference as the construction of the life policy 
contract. Many people imagine that they have a right to a return of 
the money they have paid in premiums at any time that they see fit 
to cancel their contract. They do not consider that this could only 
be fair by allowing the company the same right to cancel the policy at 
its pleasure. This they would of course do, if this rule were to pre- 
vail, as soon as they saw the policyholder in declining health, and cer- 
tain to become a loss at no distant day. In this way the whole system 
of life insurance would at once fall to the ground. The policy con- 
tract cannot be binding on one side and a rope of sand on the other. 
If people would only thoroughly understand the contract they enter 
into when they take out a life policy, they would see that it implies a 
mutual obligation, to be terminated only upon equitable terms that 
are fairly stated. Or if the companies see fit to allow the policy to be 
canceled, on terms not recognized in the contract, it is their duty to 
make such conditions as will be fair to those who prefer to continue 
their policies in force. 



SUMMARY COMPARISON 

Of Assets, Liabilities, Premium Reserve, and Net Surplus from 1868 to 1877. 

CONNECTICUT LIFE AND ACCIDENT COMPANIES. 





No, 


Year. 


of 




Co's. 


1868 


9 


1869 


9 


1870 


9 


1871 


10 


1872 


10 


1873 


10 


1874 


10* 


1875 


10 


1876 


9 


1877 


8 



Gross Assets. Gross Liabilit's Net Surplus. Prem.Reserve 



45,057,482 
57,472,951 
65,701,233 
71,664,483 
78,871,840 
86,265,885 
93,225,533 
98,964,945 
103,442,268 
92,525,077 



34,332,242 
43,078,693 
51,836,007 
61,582,030 
70,367,409 
78,930,481 
84,567,161 
90,342,159 
94,607,428 
83,407,232 



10,735,240 

14,394,258 

13,865,226 

10,082,453 

8,504,431 

7,335,404 

8,658,372 

8,622.786 

8,834,840 

9,117,844 



33,095,981 
41,880,821 
49,942,670 
59,071,534 
67,938,094 
76,191,451 
82.314,903 
88,036,176 
91.923,607 
80,682,885 



Ratio of 
Assets to 
Liabilities 



1.3923 
1.3248 
1.2612 
1.1581 
1.1208 
1.0921 
1.1022 
1.0954 
1.0934 
1.1093 



Ratio of 
Assets of 
Pre'mRes. 



1.4523 
1.3734 
1.3137 
1.2095 
1.1511 
1.1322 
1.1325 
1.1241 
1.1253 
1.1468 



COMPANIES OF OTHER STATES. 



1868 


28 


1869 


28 


1870 


28 


1871 


28 


1872 


23 


1873 


19 


1874 


16 


1875 


16 


1876 


17 


1877 


16 



98,910,711 
124,518,931 
145,847,834 
166,813,723 
172,766,987 
191,655,354 
205,123,316 
220,849,486 
255,249,017 
257,733,704 



87,934,164 
112,388.476 
134,667,429 
153.266,594 
162,149,078 
179,047,725 
189,014,884 
203,176,241 
232,639,033 
234,144,972 



10,976,547 
12,130,445 
11,180,505 
13,547,129 
10,617,909 
12,607,629 
16,108,432 
17,673,245 
22,609,984 
23,588,731 



82,081,841 
105,138,346 
127,389,224 
147,381,958 
156,601,642 
173,255,032 
185,354,082 
199,292,512 
227,983,987 
229,742.596 



1.1248 
1.1079 
1.0838 
1.0883 
1.0654 
1.0705 
1.0852 
1.0845 
1.0972 
1.1008 



1.2050 
1.1845 
1.1440 
1,1311 
1.1032 
1.1062 
1.1066 
1.1056 
1.1170 
1.1218 



1 - 5 



Tin: CHARTER OAK LIFE INSURANCE COMPANY. 

At the time >1 cl Annual Report concerning the Life [o 

ite, in June Last, a special investigation 
3s by a commission appointed by the 
islatnre for thai purpose, and they bad placed an unfavorable n - 
upon the oonditi me of the companies in my hands, It 

Ivisable that special comments opon any 
the companies Bhould be postpoued till the present time. 
The unfavorable report alluded to was in relation to the Charter 
Company, and was the culmination of a long se- 
ries a that had befallen the company, and with which 
public had been made familiar by the reports of this Department, 
the action of the Genera] Assembly of the State. 

ion stati «1 in their report that the liabilities of the 

iuntedtO$13, .79, and. upon their valuation, the 

. _ ,544.41. The law under which the) acted made 
the acceptance of the facts found by them obligatory upon me. JWit 
by the facts they reported, the assets of the company exceeded by 
3 the sum of three-fourths of its liabilities, and therefore 
it was left at ray discretion to institute proceedings for the appoint- 
ment of n receiver or not The interests of the policyholders of the 

.•any clearly required the avoidance of extreme measures if p 
ible, but circumstances rendered this impossible, and on the l Ith of 
July I brought an application before Judge Pardee tor the appoint- 
ment of a 

the re- mpany, in order to save it 

a the hands of a receiver, were immediately taken. A commit 

a number of the most prominent business gentlemen of 
I. took tiie subject in hand, and finally prevailed upon a bud- 
e eminently qualified experts, to examine the condi- 
tion .mpany. | that if their report of its 
rant it. they would consenl to re-organize it, and un- 
to unqui >ncy and the con!' I * 
the public. 

-litter was as thorough as could he 

1 them. On the 25th of July ♦', • <• re- 
t in this 1 • : — 

! 

healthy portion "f ' 

■ 

made t togs] Humilities in fall Impairment 



186 REPORT OF THE 

During the progress of these proceedings the policyholders of the 
company held a public meeting in Hartford, for the purpose of mak- 
ing their wishes known, and of joining their efforts with those of the 
other gentlemen interested in saving the company from a receiver- 
ship. They also appointed a committee, who acted in co-operation 
with the committee of experts, and united with them in their conclu. 
sions. 

The result of the whole matter was a purchase of a large majority 
of the stock of the company by Hon. Marshall Jewell, and are-organi- 
zation of the company. The application for a receivership was with- 
drawn, and on the 1st of August, the new managers took full posses- 
sion of the company. The new Board as organized, consisted of 
Marshall Jewell (elected President,) William W. Eaton, John L. 
JBunce, Samuel E. Elmore, George P. Bissell, Robert E. Day, Elisha 
Johnson, George E. Hatch, J. M. Allen. 

The company, when its new managers took possession of it, was 
found to be severely crippled in its resources. New business had 
entirely ceased, and a large number of the policyholders, taking ad- 
vantage of their policy contracts, had stopped the payment of premi. 
urns, and demanded paid up and unproductive policies. The death 
claims and matured endowments that had accumulated during the 
suspension of the company, were daily increasing, and the means to 
meet them were found to be inadequate. 

In order to meet the exigencies of the situation the directors re- 
solved, in the month of September, to ask the policyholders of the 
company to scale the liability on their policy account forty per cent., 
pledging themselves that as soon as the doubtful and unproductive 
assets could be realized upon, the avails should be credited back to 
their account, till the amount scaled should be restored. Death 
claims and endowments, as they matured, were scaled to the same 
extent. 

The process of scaling proceeded rapidly. Still the flow of 
money* into the treasury of the company was so light on pre- 
mium account, and the difficulty of realizing upon the assets in hand 
so great, that the managers were constantly embarrassed even in pay- 
ing sixty per cent, on claims presented. Having, in common with 
the directors of the company, serious doubt as to the success of the 
scaling process, and the ultimate restoration of the company to a 
state of solvency, after consultation with them as to its condition and 
prospects, I deemed it my duty to 'again proceed against it. An ap- 
plication to Judge Pardee for the appointment of a receiver of the 
company was accordingly made. By direction of the General Assem- 



[N8URAH0B OOMlflSSIONKR, 187 

hlv, tbei in session. 1 procured a postponement of the ease pending 
contemplated legislative aotion for the re-organization of the com- 
pany. 

Preliminary t<> aotion by the General Assembly, a resolution was 
passed, directing the Joint Standing Committee on Insurance to in- 
qnire when the present [nsnranoe Commissioner M first became aware 
of the existence of the tacts affecting the Bolvency" of this company. 

which were reported by the Special Commission ; u and if it be found 

that lie became aware of said facts before they were discovered by 
said Commission, to further inquire and report why some report of, 
or action np on, such discovery, was not earlier made or taken by 
him." 

My reply t<> the inquiries of the committee is here re-published, 
because it presents in a condensed form substantially a history of this 
90 far as I have had any official connection with it. 

" My earliest knowledge of facts injuriously affecting the solvency of this 
company was acquired soon after I was appointed Insurance Commissioner, in 

11 Iu my first official report to the General Assembly, in 1375, attention was 
called to the unsatisfactory condition of the compiuy. and an investigation of 
the muter wis mid? by the Insurance Committee of that year, in compliance 
with my suggestion. From this investigation it appeared that the assets of the 
company were less than its liabilities, the impairment, however, not amounting 
to the twenty-five per cent, nerress iry to sustain proceedings for the appoint- 
ment of a receiver. The Legislature indicated what course I ought to pursue in 
the premises, by altering the then existing law to meet the exigencies of this par- 
ticular case. In accordance with this - suggestion, and in pursuance with the 
legislation which had reference solely to the condition of this company, I pro- 
hibited the payment of dividends to stock or policyholders, until the deficit 
should be made good. This prohibition has never been removed. 

'• Thus it will be seen that the same condition of the company reported by the 
Special Commission, to wit : the impairment of assets below the point of sol- 
vency, but not to the extent of twenty- five per cent., had been discovered and 
acted upon by me nearly two years before the Special Commission was appoint- 
ed. My power and duty, under the circumstances, were purely discretionary, 
and were exercised and performed strictly in accordance with the advice and di- 
rection of the General Assembly. 

" I will now answer, specifically, your inquiries touching those material facts 
contained in the report of the Special Commission. 

" 1. The Allen, Stephens & Co. Loan.-— My answer in regard to this mattox 
is, that all the facts reported by the Special Commission were known i<> 
early in I87. r », and by me fully reported to the General Assembly of that year. 
There was nothing at that time in this fact sufiVicnly definite or tangible to war- 
rant my official int< rference in the affairs of tn<: company. In this view of tin- 
matter, the Special I n coincide with me. They believe, as I did, that 

the loan is not an asset to its full amount, but the whole matter is involved In 

alone can determine wh^th^r there is any, and if 



188 REPORT OF THE 

any, how much shrinkage of the assets in this loan. The only action possible 
for me in relation to this loan was to report it to the General Assembly, which I 
did. 

"2. The West Virginia Investment.— The facts reported in reference to 
this matter existed at the time of my accession to office, and became known to 
me soon after. It may, and probably does, affect the solvency of the company, 
but it is impossible, as the Special Commission found, to determine in what way, 
or to what extent. The most that can be said is, that it is an unfortunate in- 
vestment, because, at the present time, an unproductive one. In the absence of 
any means to determine its real or approximate value as an asset, at the present 
time, ic afforded no ground of action on the part of the Department against the 
company, and none was taken. All the facts attainable in relation to this in- 
vestment were laid before the Insurance Committees, in 1876 and 1877. 

"3. The Liability of the Company to H. J. Furber. — This liability grows 
©at of the contract made with Mr. Furber, in November, 1875, a copy of which 
is appended to the report of the Special Commission. The preamble recites that 
it is made by the company for the purpose of making good an admitted deficit 
in their assets. This contract was not the creation of a new liability, but the 
recognition of a pre-existing impairment of assets, and a provision for restoring 
the company to a condition of solvency. The fact of this deficit, which the lia- 
bility to Mr. Furber represents, was known to me early in 1875, was, as I have 
before stated, fully reported to the Legislature, and was investigated by the In- 
surance Committee of that year, which found that the assets of the company 
were reduced below its liabilities, the impairment, however, not amounting to 
twenty-five per cent. So far, then, as the liability to Mr. Furber may be a fact 
affecting the solvency of the company, it will be seen that it had been discover- 
ed and acted upon, as the Legislature directed, before it had assumed the shape 
of an obligation to him. 

" A word with reference to the change in the management of this company. 
I made oareful inquiry as to the character and standing of the gentlemen who 
proposed to assume its management. I sought information upon the subject 
from sources of the highest respectability and intelligence, and received very fav- 
orable answers to all my inquiries. I also consulted, with reference to the whole 
matter, with gentlemen of ihe highest position in this city, and acted upon the 
information and advice I received, consenting to the change. I also reported 
to the General Assembly of 1876, the next succeeding session, the facts relative 
to such change in the management of the company, and of this contract. That 
Legislature, by its Insurance Committee, fully investigated the subject, heard 
the statements of the officers of the company, the explanations by Mr. Furber, 
examined the papers and fully approved of what had been done. 

" Iu a word, my answer to your inquiry, so far as this Furber contract 
is concerned, is, that I did not regard that contract as any new fact affect, 
ing the solvency of the corupan}\ — the making of it created no addtional lia- 
bility upon the company, and imposed no additional duty upon me. This view 
of the matter was taken by the Legislature of 1876. 

•'4. Valuations of Real Estate. — The valuations reported by the Special 
Commission are not " facts affecting the solvency of the Company," in the same 
sense that the other matters reported by them are facts. They are matters of 
opinion. That these valuations were made by the Commission is undoubtedly a 



INSURANCE COMMISSIONER, L89 

fact. I >nt whet] her thing, 

nr inquiry i with J h^ faot of th< 

! Oommi 
iu June, l v 77. If. to wit, a h 

\ doe tli hi i 

I of 

; itiona by the 8] ommiasion. It i^ am 

to go through with each of them, l>ut I will t • i illustrate aing. 

I take the ftrel item of reel estate valued by the Special Commission, be- 

i oral in ordei and tir>t in importance. This is the New York property. 

I imed to the Department by the Company at a valuation of 

H. Lndow and B m land H 
Iged to be thoroughly competent and disinterested. 
,i i>.< n.» question in reg ird to this m itter, I applied to the Cnsur- 
»rk, the highest authority I oould obtain. 
for a valuation of this property. It was appraised at $3,000,000. This appraisal, 
is hereto appended, marked A, was carefully and minutely 
tit and fair valuation. It should be 
1 i;i this connection that this real estate was at thai time, and now is, an ao- 
high a rate of income as can be obtainod on gov- 
ernment DOuds, at this appraisal of $3,000,000. 

immission, however, reported to me in June, 1877, that thoy 
. i appraisal of this property by three gentlemen, competent an 1 
ly in opinion as to its value from the other ap- 
$1,845,000 only. By the same report they inform- 
ed m tlu it ion of the other real estate of the Company. Emmediatley 
the info,- ions difference <>f opinion as to the 
of this property — a subject upon which men equally well inform.-. I al- 
differ widely, and often times unreasonably — I deferred my own opinion to 

proceedings for the appoint- 
ment of a . 

ve now answered your inquiries, permit me to say in con- 
borne iu min 1 th it th ) rep >.-t of the Spe •: il < iommis- 
sion, in t: r Oik Lit" mly a re- 

— an iinj) drmeni not amountii 

the 
com; until this impairment passed th" limit of twenty- 

five per e retionary. That power 1 have exei 

under the imm Irice and with U pproral of the 

Au<l it should ;; 
f the company as to 
•port of t; all th ifacl oft! hare 

a compa- 
ny have been i 

the cutting off of prem d of 

the 
alway 
i 



190 KEPORT OF THE 

After mature, deliberation the General Assembly adopted a plan for 
the re-organization of the company upon a purely mutual basis, as 
expressed in the following Resolution : — 

Joint Resolution amending the Charter of the Charter Oak Life Insurance 

Company. 

Resolved by this Assembly : 
That the charter of " The Charter Oak Life Insurance Company" of Hartford, 

Conn., be and the same is amended so as to read as follows : 

Section 1. The Charter Oak Life Insurance Company of Hartford, Conn,, 
shall continue to be a body politic and corporate for the purpose of life insur- 
ance, and for the other purposes hereinafter mentioned, and by that name shall 
be, and hereby is, empowered to purchase, have, hold, possess, and enjoy, to 
themselves and their successors, lands, tenements, hereditaments, goods, chattels, 
and effects of every kind, and the same to grant, aliene, sell, invest and dispose 
of ; to sue and be sued, plead and be impleaded in all courts of justice ; to have 
and use a common seal and the same to change, break, and renew at pleasure, 
and to ordain and put in execution such by-laws and regulations as they may 
deem proper for the well ordering and government of said corporation and the 
transaction of its business ; provided, they be not repugnant to the laws of the 
United States or of this state, or to the provisions of this amended act of incor- 
poration. 

Sec. 2. Each and every person whose life now is, or at any time hereafter 
shall be, insured by said corporation, shall be a member of said corporation for 
and during the existence of such insurance and no longer, and shall at all times 
be concluded and bound by the provisions of this act ; but any such member 
may at any time sue or be sued by such corporation, but no such member shall 
be in any way personally liable for any of the debts of said corporation. 

Sec. 3. To carry out the provisions of this act, the present directors of said 
corporation are hereby authorized and directed to call a meeting of all persons 
whose lives are insured by said company, for the purpose of electing from their 
number a board of directors, passing by-laws, and doing such other business as 
may be deemed best by such meeting, which meeting shall be held at some prop- 
er time and place at said Hartford, and shall be called by sending notice of the 
time, place, and object of such meeting to every person whose life is insured by 
said company, so far as their residences are known, and by causing such notice to 
be published in one or more newspapers in Hartford, Boston, New York, Chicago, 
Cincinnati, St. Louis, Baltimore, and Philadelphia, at least thirty days before 
the day of such meeting ; and such meeting shall have power to elect directors, 
pass by-laws, and make such rules, regulations, and do such acts in relation to 
the management of the company as it shall consider desirable, which directors 
when so chosen, shall take the place of the present directors of said company, 
and thereupon the term of office of the present board of directors shall terminate. 

Seo. 4. The principal office of said company shall be located in Hartford, the 
company shall be managed by twenty-one directors, to be elected by and from 
the insured, to serve as hereinafter provided, or until others are elected in their 
stead. The board of directors thus elected shall at their first meeting separate them - 
selves into two groups for the purpose of deciding by lot the length of the term of 
service of each director ; group number one shall be composed of fifteen, who hhall 
all be residents of this state, and who shall cast lots for the length of term they 



[N8URAN «KB. 1**1 

shall shorn shall ho for one, five for two, ami five for three 

i ; group Dumber two shall be oompoeed of six, who may or may not be \ 
- of tin-- state, end who shall also decide by lot as to the length of (era they 
shall ..M'h shall be two for one year, two for tw o . i two for three 

than tifi . i direetora shall be reaidenta of this state, it 

shall l.o deoided by lot from among all the reeidenta of this state, which of .-aid 
number shall eompoae the tirst group of fifteen. At eaoh annual meeting ti. 
after there shaU i>< it hist five ,,f whom shall be 

denta of tl >r three years, and until othera art elected in their 

f direetora shall have power to till all raoancie . whether 
:.. reaignarion, or otherwiae. And an annual meeting for the elec- 
t|on of direetora ami other proper buaaneea shall be holden thereafter on such 
t ll be fixed by the by-laws. In the ohoioe of direetora as ;; i veeaid. 
• n inanred andpreeenl peraonally or by his proxy, .shall he entitled to 
mil' vote. The company by its by-lawa may determine what anmber of direetora 

constitute a quorum, ami whether any ami what UOtice of direetora 1 meet- 
ings shall ho given, ami all directors shall he chosen from among those insured 
lid company. 

If it shall so happen that an election of directors of said corporation 
shah not take place at the time of the annual meeting thereof, in any year, said 
corporation shall not be diaaolyed thereby, but an election may bo had at any 
time within one year thereaft. r. the time to be designated and notice thereof 
given by the directors lac And public notice, by order of the direct- 

ors, shall always be given at least ten days pr.'vious to any meeting of the insured 
in a newspaper printed in Hartford, and in such other ... by-laws may 

ribe, and the president BhaU call special meetings of tho insured, whenever 
requested thereto by a majority of the directors. 

B 0. G. The directors may choose a president, a vice-president, and secretary 

of their corporation, an 1 appoint such other officers, clerks and agents, and ea- 

ucies in this state and elsewhere, as shall be by them deemed ad- 

i of the company ; fix their compensation, and 

take bonds from any or all of them for the faithful performance of their du 

and make such tsasm iy be deemed i. 

lirector or officer of :• itkm sfa ill directly or iudirectly in snv 

way, receive any commission on premium .on for services or other- 

The pr.- , n g ,j I( . ( ij rect _ 

ore, and m itments for one year, and until others are chosen to 

. tea : but til.- other officers and aernmta of said oompany may be 

displaced and new ones ap] ire of the direct 

In the absence or disability of the president, the rice-president shall preside 

and if both are absent or the direetoi oee a president pro tern- 

mcaseaiiY .hall occur in the board of direetora, the remain- 

ing dire- tors may choose I [the insured to till 

such vacancy, who si 1 others are ch 

places. 
8k i smp re 

from tim 

and to make eoi . () , } 

with hf- risk-, of whatever kind or : . 

to be with or w tits. 



192 REPORT OF THE 

Sec. 8. All policies of insurance or "other contracts authorized by this act, 
may be made with or without the seal of said corporation, and shall be signed 
by the president and secretary, and being so signed and executed shall be bind- 
ing and obligatory upon said corporation, according to the true intent and 
meaning of such policies and contracts ; and any such policy may be surrender- 
ed by the insured and beneficiary named therein, and assignee, if the policy be 
assigned ; and in case of minor children, by guardian, or father, if living, or the 
person paying premium thereon, which surrender shall be in writing. 

Sec. 9. The f ands of said corporation shall be invested only in loans upon 
bonds and mortgages upon real estate of double the value of the debt secured 
thereby, or in United States stocks, or stocks created by any state of this union, 
or in bonds of the cities of New York or Boston, or any incorporated city of this 
state : provided also, that no stock created by any state of this union shall be. 
purchased except with the approval of the insurance commissioner having first 
been obtained. 

Sec. 10. The directors elected by the iusured as aforesaid are hereby au- 
thorized to obtain transfers and conveyances of the capital stock of said compa- 
ny from the owners thereof to the president as trustee for said company, at the 
price of the actual cash value of such capital stock, which price shall be deter- 
mined by a committee under oath, the said committee to consist of the treasurer 
of this state, the insurance commissioner, and a disinterested third person to be 
chosen by these two ; and when the whole amount thereof shall be so received 
it shall be then canceled, and the entire stock and capital of said company shall 
thereby become extinguished. Provided however, that no money or other thing 
of value shall at any time be paid for such capital stock, on any agreement which 
shall be made for such transfer, which shall in the opinion of said committee 
impair the policy reserve of said company computed according to such standard 
of value as may be required by the laws of this state. And hereafter all of the 
assets now belonging to and which may hereafter be acquired by said company, 
and the future earnings of said company shall be appropriated to and used only 
for the benefit of the policyholders of said company. 

Sec. 11. If any person insured in said company whose policy has lapsed since 
the 1st day of August, A. D. 1877, by the nou-payment of premium thereon, 
shall within sixty days after the first election of directors as provided by this 
act apply to said company to renew said policy for such proportion of the 
amount insured thereby as has been accepted by a majority of the policyholders 
by agreement, with the company as to their policies, and shall tender to the com- 
pany a proportionate part of all premiums due thereon, with interest from 
the time the same was payable, said company shall thereupon renew said policy 
for such proportion thereof, and such person shall thereupon be entitled to the 
same rights under his said policy so reduced, as if the same had never lapsed. 

Sec. 12. This act shall in no manner impair or qualify the obligation of any 
contract, liability, note, or debt of said company, either in favor of or against it, 
or the evidences thereof, nor in any manner affect the title to any property or 
estate of said company, or in any manner impair the rights of the present hold- 
ers of policies of insurance in the same. 

All those parts of the original charter of said company, and the amendments 
thereto which create, allow, or recognize capital stock in said company, arid all 
other oarts of said original charter and amendments not herein contained, are 
hereby repealed ; but such repeal shall in no manner affect any suit or proceed- 
ing now pending or any cause of action now exising in favor of or against said 
company. 



INSURANCE 0OMMIS3IONKK. l!'. - ; 

\ i polioiei ^hiill be issued, o ttraota for insurance shall here- 

nitil the ;• .tion of the oompany is oompl its 1. 

ah sarploa or pxoflta whioh oiaj lined oul 

of . \ ..u tied i>\ 

oom] Prom th • futa 

■hall be equitably distributed """"g Bach policyholders onlj 

. oompany, oonsented to surrender to said oompanj a portion of 
• upon their said policies, either by reduction <»f the amount in 
or otherwise, until such time as ths i irrendered shall bereim- 

burs policyholders in full, in such equitable manner as may be deter- 

mined by tin* <i. but nothing hereio shall in* oonatrued to prohibit ths 

oompany from making dividends upon polioies hereafter issued, to the hold- 
f, in proportion as their several payments to : myahsll have 

the surplus ariaing therefromi Provided, however, that no divi- 
time whioh shall impair the policy reserves of said 
irding t<> guoh Btandard of valuation as may be required 
by tlu- laws of this S 
S . [I shallnotl ry fortbe provifdons of this resolution to be 

i Charter Oak Lif<- Insurant- Oompany before the same shall be- 
coun amendment to the oharter of such company. 

B Cheme ting mentioned in Section '■'> shall vote upon the acceptance- 

of U Iment to the charter of sail company, and unless those pn 

repi majority in amount of the polioies there represented, shall vote 

solution shall hc.-ome null and void. 

intended <>r repealed at the pleasure of the 
.y. and nothing contained therein shall bo so construed as to au- 
thorize said oompany to engage iu the business of banking. 
Approved, March 16, l v 7- 

Li accordance with the terms of tlu- 3d section. :t meeting of the 
policyholders was held in Hartford, on the 18th day of April, and 
was largely attended. About 8,500 policyholders were represented 
either in person <>r by proxy. The amendment t<> the oharter of 
the company was accepted, without opposition, as provided for iu 
Lion 16. 

of the balloting on the occasion, tlu- following Board 

of I): ! : — 

William Faxon, Hartford. W. L. Sqi ikk. Hartford. 

JOTIIAM G ffl . •' ('. (i. .Ml NY AN, " 

M Bar] ■,'* C. S. Davidc u 

( 'i w\- Spo »m:i;. Bridgeport. 
< •• S. W. Bobbins, Wethersfiel !. 

IIaj M Am . . New York ( 'ii\ . 

I. A ::o. Philadelphia. 

I >. \\ M I ). L. Bari i.i:i i, Baltimore. 

S. K. M •• Thomas A. Looan, Cincinnati. 

\V. E I ; < heo. Shrrwood, I 

0. Si snard, m. I. 



194 REPORT OF THE 

At a subsequent meeting of the Board, George M. Bartholomew, 
Esq., was elected President, and accepted the office. 

The preparation of a statement of the condition of the Company for 
publication has been a work of great labor, and has delayed the 
printing of this report to the present time. Its importance, however, 
to the policyholders of the company, and the public, has seemed to 
justify the delay. It is here given. 

STATEMENT FROM DECEMBER 31, 1876, TO APRIL 18, 1878. 

Amount of net or ledger assets Dec. 31, 1876, $12,787,015 48 

Decrease in assets from Dec. 31, 1876 to April 18, 
1878, being amount marked off and charged to 
profit and loss account, 209,252 92 

Extended at, $12,577,762 56 

II. INCOME. 

Received for premiums without de- 
duction for commissions or other 
expenses 1,009,713 68 

Premium notes, loans, or liens taken 

in part payment for premiums, 174,069 46 

Reduction of liabilities by lien agree- 
ments, 40,555 14 

Total premium income, 1,224,338 28 

Received for interest upon mortgage loans, \ 

Received for interest on bonds owned and divi- - 268,898 55 

dends on stocks, ) 

Received for interest on premium notes, loans, or 

liens,.,,., 132.326 56 

Received for rents for use of Company's property,. 295,251 14 



Totalincome, "J, 920,814 53 



Total, $14,498,577 09 

III. DISBURSEMENTS. 

Paid for losses and additions, 642,084 05 

Premium notes, loans, or liens, used 

in payment of same, 52,491 63 

Paid for matured endowments and 

additions, 280,910 88 

Premium notes, loans, or lieDS used 

in payment of the same, 96,814 93 

Total amount actually paid 

for losses and matured endowments, 1,072.301 49 

Paid for surrendered policies,.... ..., 333,130 64 



[NS1 KAN01 COMMISSIONER. 195 

Premium notes, loans, or Hens used in pnrohsse 

1 by lapse 826, I '"> 06 

LiYidsnds psi l to policyholders, ssmc Applied 

in payment of premiums, 85,815 12 

Premium notes, loins, or liens us.- 1 in payment of 

dirid policyholders, 68,453 17 

i .! peid poUeyholden 1 1,886, 19 

foroommu Lgenta 107,180 66 

Paid for islsriee and traveling ei t managers 

•ill and local agents, 87,016 .">i 

Pail f or mediosl examiners' fees 6,G28 B8 

Psid f snd other oompensstton of officers 

■ad other offioe employee 90,440 '.'I 

Paid for State end Local taxes in State where organ - 
18; taxes, licenses, fines and fees 

in other States. #£ 184,861 41 

Tail for real 12,500 00 

Taid for commuting commissions :W, 7 IS 41 

1'iid f>«r advertising 27,586 42 

Taid for the following items : Fire insurance, in- 
st, and all other expenditures on Company's 

property 13."),!).")") 37 

Printing and stationery, legal expenses, expenses 

-\ling and all other expenses, 158,064 17 

Total disbursements 2,584,608 66 

Balance, tll,918,968 18 



IV. ASSETS, 

Afl PEE LEDGER ACCOUNTS. 

Real estate unencumbered, as per Schedule A, 6,050,468 21 

Bonds and mortgsge, 1,584,004 57 

Allen. Stephens* Co., 1,168,595 19 

Loans - ( DOS Is. stocks, or other 

marketable collaterals, as per Schedule O., 188,264 

"ii policies 4 <>,">").■> 14 

: ,losnsor liens on policies in force.. 2,488,544 <;o 
due of bo: >wned absolutely, is 

per- E 248,202 50 

Cash in Company's office 22,591 

Cash deposit, d in bank- 

Cash i 51,884 98 

68,288 41 

Agen- 86,704 12 

! 11,91 

Deduc I isets, to briag 

same to > 1 ifth, 8, i - 

I • ■ depreciii >n |8, ■ ■ ) 7 



1 ( J6 HE PORT OF THE 

OTHER ASSETS. 

Interest due and accrued on bond and mortgage loans, 147,000 00 

Interest due and accrued on premium notes or liens, 14-2, 842 03 

Rents due and accrued on Company's property or lease 50,000 00 

Gross premiums due and unreported on policies in 

force April 18, 1878, 213,539 31 

Gross def. prms. on policies in force April 18, 1878, 40,61)9 08 



Total, . 254,238 30 

Deduct loading on above gross amount, 50,847 68 

Net amount of uncollected and deferred premiums, 203,390 71 



Total assets, 8,973,962 91 



ITEMS NOT ADMITTBD. 

Amounts deducted from ledger cost of assets to bring same to es- 
timated present value. 

Real estate, 2,067,498 21 

Stocks and bonds, 98,792 50 

Call loans, 98,364 83 

Bills receivable, 63,283 41 

Allen Stephens & Co, 1,068,595 19 

Agents' and ledger balances, 86,704 12 

Total, $3,483,238 26 



V. LIABILITIES. 

Net present value of all the outstanding policies in 
force on the 1st day of April, 1878, computed 
according to the American Experience Table 
of Mortality, with four and one-half per cent, 
interest, after deducting the gains from scaling 
and lapse prior to July 1st, 1878, as claimed by 
the Company 8,170,123 00 

Claims for death losses and matured endowments due and un- 
paid, 228,345 7 

Claims for death losses and matured endowments in process of ad- 
justment, or adjusted and not due, 67,661 84 

Claims for death losses and other policy claims resisted by the 

Company, 29,142 84 

Total policy claims, 8,495,273 38 

Due for borrowed money including $10,000, interest due or ac- 
crued, 282,500 00 

Liabilities, 8,777,773 38 

Gross surplus, 196,189 53 

Total liabilities, $8,973,962 91 



[N8UKAN0I COMMISSIONER 197 

VI. PREMIUM Ni'lK LCOOUfl I'. 

. h ub l Dee. Bl, '7«; •_'.:. n,<;o!> 20 

\g IT 1,069 I'- 

817,121 

: 8,082,1 

I). 

:i payiiu-lltj.if losses ami 

149,806 66 

'.^ or liens us.-il in payment of Barren 

ed i 1 voided by lapse, 826, 4!»"> 06 

oa or liens redeemed by maker in each,... 68.458 17 

taction of premium note account, 644,255 09 

tnce note assets at the end of the year, $2,488,544 60 

Schedule A — /.' - ownedbyth* Cbmpany. 

In Hartford. Co's building 600,000 00 

Connecticut, other property 7'*>..".<>n no 

V-»rk L>.olL\-- 

Missouri, :>>•■'.. B45 00 

Illinois. Chicago 288,8< o 

Other property 84,820 00 

Virginia and West Virginia 200,000 00 

Pennsylvania, 25,000 00 

Ohio, Cincinnati. 88,500 00 

Iowa. 89,000 00 

rosin, 22,500 <»<» 

Wellington, D. C, 62,000 00 

-, 00 

■ehedale C — L 

Market Value. Par. Value. Ami I. 
7.' 

Con: EL. K. bonds 800 00 1,000 

tford Axle Co.. 20,000 

. K. K. 1. rod I 00 1,000 00 ::.() no 

10,000 00 8 1".-- 

I oo so 00 

I 00 SOU MO 

: Mortgages I no 11,974 ll 

Assignment of 7,000 00 

Conn 1.7" 

'..<»•»<> 00 10,00d <>'> 5.0 

N i: W. > 00 ii. i- 

Conn. Western IS. K. boo I , 1,000 

1,225 I" 1,22 



5,700 00 



- 



198 KKFOKT OF THE 



Schedule IZ— -Stocks and Bonds owned by'the Company. 

Par Value. Market Value 

U. S. Stocks : — 

U. S. 6s, 1881, coupons, 14,000 00 15,120 00 

Municipal Bonds : — 

City of Quincy, 111 10,000 00 8,750 00 

" Leavenworth, Kansas, 1,000 00 750 00 

Kansas City, Mo., 10,000 00 8,500 00 

Railroad Bonds • — 

Paris & Danville K. R., 75,000 00 8,750 00 

Conn. W. R. R., 1,000 00 250 00 

Bank Stocks : — 

Merchants Bank of St. Louis, 1,750 00 

Hartford Trust Co., 12,500 00 10,625 00 

Conn. River Banking Co., 5,000 00 4,000 00 

Charter Oak National Bank...... 2,500 00 3,050 00 

Hartford National Bank, 2,500 00 3.500 00 

City National Bank, 2,500 00 2,250 00 

Conn. Safe and Trust Co., 4,500 00 3,600 00 

Phoenix National Bank 2,500 00 3,750 00 

^tna National Bank, 2,500 00 2,950 00 

American National Bank, 37,500 00 47,625 00 

U. S. TrustCo., 5,000 00 4,500 00 

Farmers and Mechanics Bank 2,500 00 1,875 00 

Railroad Stocks : — 

N. Y., N. H. & H. R. R., 5,000 00 7,500 00 

Miscellaneous : — 

Security Co., 10,000 00 0,500 00 

Hartford City Gas Light Co., 2,675 00 4,815 00 

^tnaFirelns. Co., 5,000 00 2,750 00 

Total cost value, $248,202 50 $214,925 00 $149,410 00 



The company as now organized is managed with the highest de- 
gree of intelligence and efficiency. If its policyholders will faithful- 
ly stand by it, in a few years the amount they have scaled on their 
policies will be fully restored, and they will have sound and full in- 
surance under their original policy contracts. 



INSURANCE COMMISSrONKR. 



199 



WlKKlt an MUTUAL AND AMERICAS NATIONAL LIFR and TRUST 

« MP A Nil 

An application for tin* appointment of r receiver for these companies 
was renewed in the fall of 1877, and after long delays was finally refer- 
red to Col. \Y. r>. Woo8ter,oi Derby, who, after a full bearing, reported 
on the 29th of June that both companies were impaired t<> the ex. 
tent that the appointment of a receiver was imperative under the 
statute. The report was submitted to Judge Pardee, at Hartford, 
on the 1st day of July. Judge Pardee at once appointed Talcott II. 
Knssell, Esq. of New Haven, receiver uf l>oth companies, t<> whom 
all matters conuected with them are new referred for final settlement. 
Respectfully submitted, 




Insurance Commissioner. 



Hartford., July »',. 1878. 



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^tate of ojjonncrticut. 



REPORT 



SPECIAL COMMISSION 



Life Insurance Companies, 



GENERAL ASSEMBLY OF 1878, 



o\ TllK 



CONTINENTAL LIFE INSURANCE CO. 



CHARTER OAK LIFE INSURANCE CO, 



H ART FOR I) : 

CKWOOD • BRAINARO COMPANY 

1878. 



HOUBI OF RsPBBBBNTATn 

January Session, A. D. L878. 
this II 

That there be printed, for the use of the General Assembly, 
five hundred copies each of the Report of the Special Commission 
on the Continental Life Insurance Company and the Charter Oak 
Life Insurance Company, together with the supplemental report of 
said Commission, made under the order of the Genera! Assembly 
to the Joint Standing Committee on Insurance. 

House of Representatives, 
February 14, 1878. 

B. M. Waknkk. Clerk. 

A true copy. 

Dwtoht Mob 

Serr<-t:i - ite. 



HE CONTINENTAL LIFE [NSURANCE COMPANT 

OV H \KTKolM) 



The following r< a submitted t<> the General Assembly, 

January 15, i s > 

BTATE OF ( ONNECTH I T 
B 

- haying been, at the Lai ■ of your hon- 

ppointed commissioners for life insurance oompaniee 

t. that we have given careful attention to tin* 

duties «>f our appointment, ami hope at an early day to make a full 

■d t<> all the several oompaniee. We deem it our 

duty, however, in the meantime, ami before printing our general 

i call the special attention <>f the legislature to the affairs 

of the Continental Life insurance company 01 Hartford. The 

condition of that company is such that we have hesitated whether 

• not. t<» make report to the insurance commis- 

ir; but in view of the possible doubt whether the case was 

raid be reached by ordinary legal process, we have 

eluded to wait till tl a mi time, and at the opening of the 

n. to commi;: your honorable body the results of our 

We iarly after entering upon the discharge of our 

duties that the last annual statement of the company, as the same 
appears on file in the commissioner's office mi -represented in some 
ie company's real condition; but the full extent was 
not disclosed to us until lately, nor did it appear until lately how 
largely these mien ations affected the company's solvency. 

ag to tie- company's statement, its surplus, December 31, 
►, upon a i^ per (•• - was $325,656.55. We find that 

ded be mad.- from the company's reported assets con- 

siderably ng this reported surplus. The company claims 

to have largely recuperated during the current year by means of 

- irrendered policies and otherwise, bur after alio* 
for whatever recuperation it has thus made, it still appears doubt- 
fa] whether it has the amount of assets which is required 1 

iete solvency. It requires considerable detail to make an 
•:hibit of the manner in which the company's cond 
is miawtatt - annual report. The general result can. hown 

be gi 

1. The 00m] 



6 



bonds to the amount of $200,000 more than it really owned. 
There is a sense in which the company may perhaps be said to 
have had a nominal title to these bonds, but it had no valuable 
interest in them. 

2. The company reports itself as owning Windham town 
bonds to the amount of $35,000, whereas, in fact, it was not the 
owner of any such bonds. 

3. The company reports itself as having cash deposited in 
bank, $173,516.50, whereas it had no such amount of genuine 
deposits. 

4. The company's liabilities are not fully reported. 
Although the above results become apparent upon examination, 

it must not be understood that the company's statement in respect 
to these supposed assets referred to, is simple fiction. Upon the 
company's books it appeared to have a full title to all its reported 
assets, and it had, in fact, as will hereafter appear, a colorable title 
to most of them. A full and detailed report of the process by 
which the results above indicated are produced, is due alike to the 
public and to the company, and we will proceed to make that 
report. Before doing so, however, we ought to state that John C. 
Tracy has been for several years a director in the Continental Life 
insurance company, while he was also, during the same period, 
president of the Farmers' and Mechanics' bank, and by means of 
his acting in this double capacity it was not difficult to give to the 
insurance company an appearance of being the owner of assets 
which it did not in fact own. 

The books of the insurance company are on their face regular 
and regularly kept. Upon the mere examination of them and 
upon comparison of them with the annual statement, nothing is 
disclosed calculated to excite suspicion. The statement appears to 
be in conformity with, and to be regularly deduced from the books. 
Untruthful entries upon the books prepared the way for the annual 
statement. The first step was taken by making entries in the books 
of the company indicating large deposits of cash in the Farmers' 
and Mechanics' bank, which deposits were not actually made. 

Of these entries of unreal deposits there were, on the 31st of 
December, 1876, the following, viz.: 

$186,907.16 

133,534.90 

20,966.40 

35,000.00 



One item of . 


One of 




One of 




And one 


of '. 




Total, 



$376,408.46 



Tin' thn .is having been made in Decern 

oer. I87t>. the first m haying been made Jane 30, 1875. All these 
items were entered by Mr. Tracy as genuine deposits on the | 
book which the insurance company kept with the Farmers 1 and 
Mechanics 1 hank, ami thus the pass hook Beemed to confirm the 
company's charges against the bank of these deposits, and t<> 
them every appearance of being genuine and just charges, and yet, 

in tact, DO such deposits were made. There may have been, and 

\ i 11 appear hereafter, a deposit with Mr. Tracy of 
of cash, corresponding to the charges, but 
the Farmers 1 and Mechanics 1 hank received no such deposits, and 
no credit for them. The accounts between the insurance 
company and the hank have, during the past year, been adjusted. 
and no claim made by the insurance company that these apparent 
real. 
The insurance company, as will readily be seen, by means of 
these entries of deposit, had apparently a large amount of cash in 
bank and at command, and according to its books the cash thus 
dep<- ked out and was mostly used in December. 1 

in the purchase, among other things, of the United States bonds 
already mentioned, of the par value of $200,000, and of the Wind- 
ham town 1" the amount of $3."), 000, — but as the deposits 
unreal, bo these checks and purchases were only on paper, 
apparent but not real. 

There i< a history connected with the several amounts thus 
charged as deposited, which is of considerable importance to all 
parties interested in the affairs of the company, which history we 
will now proceed to give: 

1. The com: from time to time, purchased portions of 

its own stock at a large premium. It has thus become the owner 

.. for which it has paid $125, IS2.90. 

This stock stood, December 31, 1.S76, in the name of "John C. 

i he vouchers for the payment of this $125,482.90 

item in the company's cash account. These 

vouchers were delivered to Mr. Tracy, and for them the company 

charge to the — 

Farmers' and Mechanic-" bank, cash deposited, . S20.' 

Ami take cert; ipecial deposit fir . 104,516.50 

1 otal, ...... H25, 

i certificate $104,516.50, ion of the 

amount reported by the company in its am, . tnenl as i 



8 

deposited in bank. In February, 1877, these vouchers were re- 
turned to the company by Mr. Tracy, and the certificate of deposit 
canceled. It is needless to say that the vouchers are and were 
worthless. They not only were not cash on hand, or representa- 
tives of cash on hand, but were representatives of cash of the 
company expended and paid for its own stock, which stock it is 
obvious is of no value to the creditors of the company as an asset. 

2. The company had from time to time advanced cash to 
Sharps' Rifle company, to the amount of $133,534.90, for which it 
held vouchers which, as the phrase among bookkeepers is, u were 
carried in the cash," that is, instead of being entered on the books 
of the company as investments, were treated and counted and 
appeared in the company's cash account as so much cash on hand. 
In December, 1876, these vouchers are entered upon the insurance 
company's books as so much cash deposited in the Farmers' and 
Mechanics' bank, and thus this investment of the company's funds 
in Sharps' Rifle company is placed out of sight as an investment, 
and appears as a cash deposit in bank. 

3. The company's annual report states its capital stock paid 
up in cash, $300,000. In fact, only $120,000 of the capital stock 
has been paid in cash — for the remaining $180,000, the company 
holds indorsed notes of its stockholders, bearing date July 1, 1874, 
with interest, upon which notes the interest remains unpaid. The 
existence of these notes is ignored in the annual statement. They 
have been kept in a package by themselves and treated as- a cash 
item, and frequently passed to and fro as cash between the com- 
pany and the Farmers' and Mechanics' bank. On the books of the 
company there appears an entry, June 30, 1875, of a deposit of 
$186,907.16 in the Farmers and Mechanics' bank. This deposit 
consisted in delivering to Mr. Tracy the package of stock notes, and 
calling them so much cash, and treating the delivery to Mr. Tracy 
as a deposit of cash in his bank; it thus remained as an apparent 
deposit of cash until it was passed back to the insurance company 
in February, 1877. 

If these notes had been really taken and discounted by the 
Farmers' and Mechanics' bank, and thus converted into cash, per- 
haps it might be said, with some show of truth, that the stock was 
paid up in cash, but the charge to the Farmers', and Mechanics' 
bank was, in truth, a mere fiction, and instead of cash for $180,000 
capital, the company have had, and still have, stockholders' in- 
dorsed notes. 



9 

In this connection we ought to refer to whal has already been 
1. to wit: Thai the company has purchased and is the owner 

! n, for which it lias expended com- 
pany funds to the amount oi $125,482.90, The funds thus paid 
ich actually withdrawn from the company's paid capital. 

The company have thus, by this purchase, used all the $120,000 

originally paid into the company by stockholders, and have paid 

The assets <>f the company are thus left in the same condition 
they would have been if the entire stock was wholly unpaid for. 
The company's stock account with its assets stands thus: 

C VPITAL STOCK, CR. 

For cash paid by stockholders, .... $120,000.00 

DR. 

For cash paid certain Btocknolden for 4,670 shares of stock, $125,482.90 

Thus Leaving the assets minus, to the amount of $5,482.90. For, 
• have already stated, it is obvious that the company's owner- 
ship of its own stock is of no value to the company's creditors as 
an a- 

4. In connection with this item of $186,907.16 appearing on 
the company's books, as a deposit in the Farmers' and Mechanics' 
bank, we should state, that on the 11th of January, 1876, the com- 
pany drew two checks on the Farmers' and Mechanics' bank : — 

One tor ....... 860,000.00 

And one tor ....... 56,625.00 



Total. ...... $116,625.00 

rs were no actual funds in bank to respond to these checks. 
They wen ; >ly drawn on the strength of the unreal deposit 

of $186,907.10. There is a memorandum on the stub of the 

-;>. That they were to be used in the purchase of United States 
bond- checks were taken by the Farmers' and Mechanics' 

bank, and were treated by that bank, under the auspices of Mr. 
Tracy, a- ma, and on their credit United States bonds were 

purchased and transferred to the insurance company, the checks 
being held as obligations of the company to secure the repay- 
ment to the bank of the money paid by it for the bonds. The 

ks remained outstanding until February. L877, when :h«- com- 
pany was <»i»'.._ and did pay them D cks were 



10 

outstanding, liabilities of the company on the 31st December, 1876, 
but are not reported as such in the company's annual statement. 

5. In regard to the item of $35,000 entered upon the com- 
pany's books as deposited in the Farmers' and Mechanics' bank, 
December, 1876, we do not find that this charge represented any- 
thing whatever. A check was drawn on the bank on the strength 
of this apparent deposit, on the stub of which is a memorandum 
that the check was made for the purchase of Windham town bonds. 
On the cash book cash is charged, December, 1876, with $35,000, 
as paid for the bonds, and in March, 1877, cash is credited with 
$35,000, as received on the sale of the bonds, and in the annual 
statement the bonds are reported as being on hand, and as having 
cost $35,000, whereas in truth, there was no such deposit of 
$35,000, and no such purchase or sale, and no such bonds on hand. 

6. In regard, however, to the $200,000 United States bonds 
which the company reports in its annual statement as having on 
hand, and concerning which we have already stated the company 
had no valuable interest in them, the forms of a real purchase were 
adopted. On the strength of the imaginary deposits in the 
Farmers' and Mechanics' bank, the insurance company drew its 
check for $224,000, as for the purchase of United States bonds, 
and December 27, 1876, the president of the company wrote a 
letter to the bank, requesting the bank to purchase on account of 
the company $200,000 United States bonds. This letter was duly 
received by the officers of the Farmers' and Mechanics' bank, and 
they acted upon the letter, and on the 5th and 10th of January, 
1877, purchased for the insurance company the $120,000 44 per 
cent, registered bonds, which appear in the insurance company's 
report as being owned by it December 31. 1876, and as having 
cost $129,625. 

On the 10th of January, 1877, the bank purchased for the 
insurance company United States 6 per cent. '81 coupon bonds, 
$40,000, which appear in the insurance company's report as being 
owned by it December 31, 1876, and as having cost $45,375. On 
the 10th January, 1877, the bank also purchased for the insurance 
company, $40,000 United States 5 per cent, registered bonds of 
1881. These last mentioned bonds are entered in the report of 
the insurance company as part of $205,000, such bonds owned by 
it December 31, 1876. 

All these bonds were purchased by the bank on the general 
credit of the insurance company, and relying upon their hen on 



11 

the bonds themselves as security. The bonk retained the bonds 
in its own possession, and bad b power of attorney from the Lnsur 
ance company to sell them, and under this power they were all 
sold by the bank, commencing the sale February 10, 1877, and 
the la<t sale being March 2d. 

And DOW to show how much must be deduced from the com- 
pany's inventory of assets on account of all the foregoing matters, 

(that is. to show how these misstatements affect the company's sol- 
vency). Tlu 1 true measure of deduction is tic amount of the fictiti- 
ous deposits in the Farmers 1 and Mechanics' bank, for all these depos- 
its appear in Borne form as assets in the company's statement, either 
as bonds, etc.. purchased by checks drawn against these deposits, 
or as still on hand as remaining deposits. 

The unreported liability, herein before mentioned, become- such 
by the disappearance of the imaginary deposits, upon the Btrengl h oi 

which the Sl 16,625 checks were drawn. If the deposit had been 
real, the checks would not have been an overdraft. The amount 
of the fictitious deposit, therefore, is the full and true measure of 
deduction. 

In order, then, to show the company's real condition December 
31. 1876. the following deductions must be made from the company's 
- M fcs: — 

(1.) The certificates of deposit in the Farmers and Mechanics' 

hank given en account of voucher- for cash paid for Btock, ^104,516.50 
Deposit of ...... 20,966.40 

Deposit of ...... 35,000.00 

U.S Deposit of stock notes, .... 186, !)<»:. ic 

(5.) Depoeitsof vouchers for disbursements to Sharps' Rifle 
company, ....... 133,534. 90 



Total, $480,924.96 

But, while the company on tin- one hand was thus represented 
as owning : L96 more than it truly did own. some assets of 

value, which it truly owned, are not disclosed in their statement. 
Thus, the Company actually owned, and still owns, the stock notes. 
The company also owned a debt against Sharp-' Rifle compao 
the nominal amount of $133,534.90, and inasmuch as these an 
in truth assets of the company, their true value must be be 

tained and added t< > t he o .mpany's inventory, in order t" solve the 
question whether the company is really solvent or insolvent 

It i- very difficult to make a just appraisal oi the value <>i 
thes- rom the company's statement, and it ma] 



12 

perhaps be said with some show of reason, that these assets are so 
obviously inappropriate to meet the obligations to policy-holders 
which the company has assumed, that they ought not to have any 
place of value in the reserve which the law requires the company 
to maintain. 

In order that your honorable body may form its own estimate 
of value, we deem it our duty to give some details regarding these 
stock notes and Sharps' Rifle company loan. 

1. Among the stock notes is one for $70,050, given by J. C. 
Tracy as trustee for the company. This is for installment due on 
the 4,670 shares of stock owned by the company, but standing at 
the time the note was given in Mr. Tracy's name as trustee. This 
note of the company — substantially its own note to itself — is value- 
less : , leaving $109,950 of notes really due, with interest on them 
from July 1, 1874. Of these $41,438 are against officers of the 
company, and indorsed by such officers, directors not being included 
as officers in this statement. 

We do not care to speak of the personal responsibility of the 
makers and indorsers of these notes, except to say that we know 
many of them to be persons in good credit. 

In regard to the debt of $133,534.90 against Sharps' Rifle com- 
pany, it is to be borne in mind that among the reported assets there 
is a mortgage debt against this rifle company of $62,500. This 
$133,534.90 is an additional debt which December 31, 1876, 
was without any other security than the general responsibility of 
the company. In February, 1877, a mortgage of land and ma- 
chinery (subject so far as the land is concerned to the prior mort- 
gage) was made to secure the rifle company's bonds to the amount 
of $150.000,. and the insurance company have taken and hold 
$102,000 of these bonds as part of their debt of $133,534.90, 
leaving the residue still unsecured. The value of this entire debt 
is contingent upon the success of the rifle company in its business, 
concerning which we can form no confident opinion. 

We feel bound to state, that of the total number of the shares 
of the rifle company's stock which has been taken (viz., 1,885 
shares), 1,455 of them stand in the name of one of the officers of 
the insurance company, as trustee, thus indicating that these large 
advances of cash to the rifle company are virtually advances to 
that officer, or to those whom he, as trustee, represents. 

The company's surplus, calculated upon a 4^ per cent, basis, 
and on its annual statement of December 31, 1876, was $325,656.- 



If the stockholders 1 □ epting Mr. Tracy's, are counted 

as good at their face, and the unsecured debl againsl 1 1 1 * - rifle com- 
pany be also counted good al its bee, without interest, the surplus 
would be, if there wen- nothing further to be deducted or added, 

as follow - 

Surphit m above, ..... 

Sharps' Rme Company debt, .... 183,584.90 

Stock notes. .'...... 109,950.00 



Total, ....... $569,141.46' 

From irhioh deduct the amount ti» be deducted aa berein- 

iyen, ...... 480,984.96 



Leering an apparent snrpms of . . . $88,216.49 

Hut there arc other deductions to be made from this surplus, 
some growing out o\' transactions already noticed, and othei 
greater magnitude, growing out of matters cot yet adverted to. 
The company lias been obliged, since January, 1877, to settle an 
interest account with the Farmers' and Mechanics' bank, arising 
from tra: v.-ial years 1 Btanding, and have paid on this 

interest account $12,142.59. This was a liability not reported in 
the annual statement. 

We have cause- 1 a careful appraisal to be made of the company's 
real estate, the result of which is that this estate appears I 

-valued in the company's report to the amount of $138,379. 

repancy between the company's report and our appraisal 

s to require an explanation in regard to some of its 

particulars. We append a schedule of the estimates of our ap- 

prai- with the value at which the seyeraJ parcels 

are reckoned in the company's report. The largest discrepancies* 

valuation of certain parcels of real .-state in or near 

which came to the company from Merrill Ladd. The 
company, in down this real estate as having 

ailed in a trade with Mr. Ladd. 
did not cost the company in cash the amoui I 
down as paid for it. but did cost the company that amounl in other 
real i , by the company at its own figures in the Mad.- ; 

to this whole matt ibstantial 

follow 

In April. 18*3 Continental company loaned to Ilaskin. 

1 10,000, taking their note, with 

the CJl nt company as collateral Becurity, the 

company being i < >n in the State of Illinois, loci 



14 

at Utica, about one hundred miles from Chicago, with a capital 
stock of $300,000, and managed by Haskin, Martin & Wheeler, 
above mentioned. In October, 1873, Haskin, Martin & Wheeler 
failed, and subsequently went into bankruptcy. The Continental 
company, after a full examination of the affairs of the Cement 
company, purchased the stock of that company, assuming all the 
debts of the concern, general and bonded, making the cost of the 
property to the insurance company, early in 1875, above $150,000. 
Subsequently the insurance company exchanged the cement property 
with Mr. Ladd for real estate called worth $132,000 net, and a 
mortgage back of $80,000, on the cement works, making the con- 
sideration of the cement property $212,000 in the trade. 

In July, 1876, Ladd, the mortgagor, failed, and in February, 
1877, the cement property passed into the possession of the insur- 
ance company (the second time) by a foreclosure suit at a cost of 
$86,783. The insurance company is carrying on the cement bus- 
iness under the superintendence of the manager of its Chicago 
office. A very careful examination of this property was made by 
our appraisers in Chicago, and was valued by them at $60,000. 
The insurance company bid in the property at the foreclosure sale 
at $55,000. 

We have also caused a careful appraisal to be made of the 
value of most of the real estate mortgaged to the company, to 
ascertain whether the mortgages were adequately secured. The 
result of which is that the property mortgaged fails in the aggre- 
gate to equal in value the amount lent upon it by the amount of 
$61,251. We append a schedule of these appraisals of mortgaged 
property, and in regard to one of the mortgages, we think it our 
duty to make a detailed statement. 

In September, 1875, the Continental company made a loan to 
Caroline M. and Jacob Forsythe of Sheffield, Lake county, Indiana, 
of $100,000 for five years, upon 7,750 acres of land situated in 
said Lake county, about fifteen miles from Chicago. The interest 
upon said loan, at the rate of 10 per cent, per annum, was com- 
pounded for the full term of the loan, and added to the principal, 
making about $163,000. On the first of January, 1876, Jacob 
Forsythe, for his wife and himself, delivered to the insurance com- 
pany, at its office in Chicago, five notes for $10,000 each, twenty- 
two notes for $5,000 each, and one note for $3,000 (making $163,- 
000). All said notes being dated October 1, 1875, and payable 
five years from date, without interest. The mortgage of same 



16 

d with the ii On January 21, 1876, Mr. 

Forsythe was invited to come to the company's office in Chic 
and was then and there requested by the company, through its 

etary, to make 1 new Bel ot notes, for same amount as those 
already delivered, but bearing Interest, to supersede the old 1 
temporarily. It was then agreed upon the part of Mr. Poraythe 
to furnish the duplicate notes aa requested, and thai the original 
remain in the possession of the company. Hie interest- 
bearing notes for $163,000, signed by Caroline M. and Jacob 

sythe, were delivered to the company at its office in Chica 
January 29, 1876, for which notes Mr. Forsythe took the com- 
pany's receipt gent in Chicago. Both Bets of notes were in 
November last in possession of the company, and were examined 
by as, the originals in the company's office in Hartford, and the 
duplicates, written as bearing interest, in its office in < 'hicago. I ha 
appn rained the 7,750 acres of land at an average 
pria $' ' per acre —$155,000. 

unfortunate troubles in the Farmers' and Mechanics' bank 

have entailed upon the insurance company a considerable loss. 

They were the owners of 405 shares of the stock of that bank. 

and tie loss by reduction and counting the value of the 

stock at U per cent, above par. is $24,948, to be deducted 

- as reported. 

Putting these matters together, we have the following deduc- 
tions t<> irora the surplus hereinbefore arrived al 
216.49, viz. : 

Interest paid Farmers 1 and Mechanics' hank, . . $12,142.59 

Overvaluation of real estate, .... 198,379.00 

( )\<i-vahi;iti«.ii of m uriti.-. . . . 81,251.00 

L<>— on FarmeiV and Mrc-hanies" hank Stock, . . 34,948.00 

'I'll 11- tearing an unpairmenl against the company <>f . $286,720.59 

Less i pint as above, ..... 88,216. L9 

ittg, ....... $148,504.10 

the company claim- that it has largely recuperated, during 
the corn from lapsed and surrendered policies. The 

amount of such recuperation can be ascertained only by much 
labor and skill, but i mpany claimed a gain from this 

to counterbalance the deductions from 
its in which we had been obliged to make, d it 

our oy, and did employ, Mr. D. Parks [Tackier of 

snoe and >kiil. to compute 



16 

the recuperation. After careful examination, he makes the gain 
to the company, from lapses and surrenders, between January 1 
and November 1, 1877, to be $182,000. Mr. Fackler also esti- 
mated the gains of the company during the current year, up to 
November 1st, from premium margins, to have been $30,000. 
"We estimate no gains during the year from low mortality, and 
from our examination of the investments of the company we do 
not credit it with any gain upon their interest account, over and 
above 4^- per cent. 

Our last estimate of the 

Company's impairment was, .... $148,504.10 

Giving now to the company credit for the recuperations 
above mentioned, viz. : . . . $182,000.00 

And ...... 30,000.00 

212,000.00 



The company has a surplus of . . $63,495.90 

These figures give the company the benefit of a 4^ per cent. 
basis for reserve, and counts the stock notes and the debt of 
$133,534.90 against Sharps' Rifle company, as being good for the 
face of the notes and debt without interest. The solvency of the 
company depends very much upon the value to be placed on these 
assets. The legislature can judge, as well as we can, what esti- 
mate should be put upon them. Under all the circumstances of 
the case, we have not deemed it our duty to treat the company as 
insolvent, and make report to the insurance commissioner against 
it as being insolvent, but have chosen to submit the whole matter, 
with such details as we have given, to your honorable body, for 
such action in the premises as you in your wisdom may deem fit 
and proper. 

All which is respectfully submitted. 

(Signed) ORIGEN S. SEYMOUR, 

HENRY M. CLEVELAND, 
DAVID P. NICHOLS, 

Special Commission for Life Ins. Companies. 
Dated at Hartford, Jan. 4, 1878. 



17 



SCH] 



Ink of real estate owned by the Continental Lift Insurance Company, with 

tin' COSt end Hpj»rai>«Hi vVlue thereof: 



i;t vi iMin: in nil. \<;o LVD VICINITY. 

\,». i. Lots I, •-'. 3, block 14. Boshnell's addition to 
Chicago, 90 feel on La Salle street, and 150 feet on 

Map] -!. 

Appraised at ..... 

\ o |, I..: 8, block 48, Old Town, with train.- dwell- 
ing, ootl ...... 



$20,000.00 
14.500.00 



Appraised at ..... 

- Of X. E. \. of S W. j, Sec. 5, Tp. 40, 

Cook county, 111 , oust .... 

Appraised at ..... . 

6. Lots 3 to 17 inclusive, M. Ladd's addition to Brans- 

ton, 111., i ..... 

Appraised at ..... . 

mb division of N. E. i, Sec 30, 

...k comity. 111.. 
Apprai- ...... 

8. Lots 9, 10, II, block 5. Brown's Lake Grove addi- 
tio. >n, 111., cost .... 

Appraised at ..... 

E j lot 2. block U. W. Bobbins' park addition to 
11 Qfl da •• 1 1 B Page county. Ill . 
used at .... . 

10. S. \V i of S. E. fc Sec. 1, Tp. 40, N. R. 13, E. P 

It 
Appraii ..... 

1 1. Lot- 2, 3, block 20, Evanston, 111., cost 
Appraii ..... 

12. Lota 15, 16. 17, 18, north wot University -ub 

division of block :J2, Evanston, III., cost 

Appraised at .... . 

13. I. block 31, Evan-ton, 111., c 
Appraised at .... . 

14 11 Ladd'l second addi 

tion to 1. I,;., about 1 • -t . 

..... 

15. L m & Phillip'- r«- inb-division of 

and 2, in block 16, Harn: ion to Chi 

Appraised at ..... 






9,000.00 



15,000.00 
3,000.00 



10.72n.00 
1,500.00 



,9.104 00 
7,20000 



9,322 50 

6,000.00 



3,500 00 
2,000 00 



17,500.00 
5,000 00 

20,000.00 
12,000.00 



17,500.00 
13,000.00 

13,1 2 5.00 
I0,0i;0.o0 



34,00800 



20,000 00 



Deficit 
15,500 00 

5,068.00 
12,000.00 

9,220.00 
11,904.00 

3,322.50 

1,500.00 

12,500.00 
8,000.00 

4,500.00 
3,125.00 

30,808.00 

9,000.00 



18 



17. Nos. 244, 246, and 248 North Clark street, Chicago, 
cost . . 

Appraised at ..... . 

18. So. 28 feet of lot 7, and the north 25 feet of lot 8, 
block 11, in South Evanston, 111., cost 

Appraised at ..... 

REAL ESTATE IN HARTFORD. 

3. Frame dwelling, cor. Bellevue and Loomis streets, 
cost ....... 

Appraised at ..... 



12,000.00 
6,000.00 



8,00000 
4,500.00 



5,100.00 
2,500.00 



REAL ESTATE IN KANSAS CITY, MO. 

4. Lots 3, 4, 5, 22, 23, 24, 11, 12, and 13, Rice's addition 

to Kansas City, 3 brick dwellings and a store, cost 22,632.66 
Appraised at . . . . . 12,800.00 



6,000.00 



3,500.00 



2,600.00 



9,832.00 



Total deficit, 



$138,379.00 



Schedule B. 



Schedule of Bonds and . Mortgages owned by the Continental Life Insurance 
Company, with amount of principal unpaid, interest due and accrued thereon, 
and the appraised value of the mortgaged premises : 

No. 73. Property cor. Clark and Barbour streets, Hart- Deficit. 

ford, Conn., amount of loan, 
Interest due and accrued, 



Appraised at 

103. Property on Barbour street, Hartford, amount of 

loan, . 
Interest due and accrued, 



Appraised at 

114. Property on Frankfort and 

ford, amount of loan, 
Interest due and accrued, 



Appraised at 

120. Property on Barbour street, Hartford, amount of 

loan, . 
Interest due and accrued, 



Appraised at 

46. Property on Barbour street 

loan, . 
Interest due and accrued, 



$8,3 IX). 89 
551.04 



Garden streets, Hart- 



Hartford, amount of 



8,861.93 
400.00 



1,500.00 
297.50 



1,797.50 
900.00 



4,000.00 
280.00 

4,280.00 
750.00 



2,200.00 
222.02 

2,422.02 
154.50 



1,950.00 
156.00 



$8,462.00 



897.00 



3,530.00 



2,268.00 



Appraised at 



2,106.00 
600.00 



1,506.00 






19 

8^. 1': Yalli-N and North streets, Willunau- 

tie. OoML., amount of loan, . 18,000.00 

Interest due and accrued. 



18,804.67 

Appraised at ..... 000.00 



148, 7,750 acres land in I.akf count \ . ln.1. (Korsxtlie 

loan . auiuiint of loan. , . . 163,000.00 

Apprak ...... 155,000.00 



189 I 9 die eounty, 111. (Cement Work-), 

anu.nnt of loan. ..... 80,000.00 

Interest due and scorned, .... ^88.88 



86,788.00 

Appraised at ..... . 60,000.00 






8,000.00 



26,783.00 



Total deficit. ..... $61,251.00 



i I. 

3 

\KkAl. A.88EMBLY, 

January Session, A. D. 1878. 

BOU8B JOINT RESOLUTION No. 46— CONCERNING SPECIAL IN- 
SURANCE COMMISSION. 

. That tlif special commission on in 
tture of 1871 I are her< 

direct standing < mmittee on insur- 

rhom wnt said commie 

pany, and furnish 
to bb icfa further information in relation to the 

they may have in their possession, and 
to d> dd com- 

mittee; and fur tl. id commisf hereby author 

• to compel 'tit* attend) 
of witnesses, and I 

ion. 

A it 

DWIGHT MORRIS, 



20 

The Insurance Committee met at 2 o'clock, January 31st, in the 
rooms of the .committee in Cheney's Block — being a continuation of 
the matter of the Continental Insurance Company — Mr. John R. 
Buck appearing for the policy-holders of the company. 

There was some question as to who Mr. Buck appeared for, and 
Judge Seymour stated that the resolution authorized the employ- 
ment of an attorney, and that the resolution would seem to imply 
" for the defence of his report." The Judge stated that he declined 
distinctly to be placed in antagonism to this company or any one 
else; that he had acted in the discharge of a public duty and had 
no need to make any defence of the report; but he did think, how- 
ever, under that resolution that somebody should appear in behalf 
of the policy-holders and that he had requested Mr. Buck to appear 
as counsel in that way, the commission being the parties authorized 
to employ him. Judge Seymour stated that the resolution had di- 
rected the commission to appear and state the reasons on which 
they had based their report on the Continental Life Insurance 
Company, and that he was subject to the order of the committee. 

The chairman instructed Judge Seymour to proceed with his 
statement, which he did, as follows : 

In regard to the Continental Company, I had nothing to do with 
it in any shape until some considerable time after we commenced 
the discharge of our duties. In the first instance we directed the 
preliminary examination of that company to be made by our clerks, 
Mr. Wilson and Mr. Brainard. It was done by them I think in 
June, perhaps the latter part of May. Those gentlemen reported 
to us that they had made that preliminary examination, to wit: 
That they had examined the annual statement the company made 
of its condition December 31, 1876, and the exhibits connected 
with that statement, and had found the assets which were repre- 
sented in that statement to be either on hand, or accounted for as 
being in the hands of agents, or as having been sold; and that they 
found the cash-books represented the receipts of the money for 
such assets as had been sold. That is, they found the assets repre- 
sented in these three ways: they were on hand in the office, or in 
the hands of agents, or were sold and represented in cash received 
upon the sale. That the whole statement had been satisfactorily 
accounted for. They also examined the cash-book, and found it 
to be correct, and the other books and papers of the company. 
They made a very satisfactory statement. 

Before the duty was assigned to me to make a special examina- 



21 

tion of the company, our olerka brought bo us the annual Btatemeni 
it up into Bheets, Bhowing mortgagee paid ind 
collected, cash in hand and in ohecka, and every thing of that i 
and after it was agreed thai 1 should take special charge of bhi 

animation 1 Looked these papers over as preliminary to going to the 
com: I cannot state now when I called the first nine; 

1 did cot take any minute of it. but think it was some time in 

June. 1 may have called prior to that time, hut I don't remember 

it. After 1 had such leisure that I could give my attention par- 
ticularly to tins company, I went down and met the president, Mr 
tary, Mr. Beecher; the latter more particu- 
larly. Mr. Winchester, the vice-president, I did uot see 7ery often; 
ra 1 had particular conversation with. I stated to the 
.-•men that it was my duty to make a thorough examination of 
their company There was no objection, of course. I asked in 

; !t: they said it was. I pressed 
upon them at that time, or shortly after, that if there was anything 
wrong about their company they had better state it to me, because 
hould find it out, it would be known, and that we would do 
the I iould for them. They assured me that matters were 

entirely right in their affairs, and that there was nothing 
We had, perhaps, two or three interviews of that kind — about the 
ral character of their investments in different parts of the 
country. & 

I found it necessary to begin somewhere, and the first thing I 
did towards a minute examination was to examine the cash account. 
Their stateme ed cash in company's office, $7,014.40; cash 

deposited in bank. $173,516.50. I did not exactly understand the 
wrt>- ment of <■ led to me. 1 found that the $173,- 

olly in the Farmers and Mechanics' Bank, but 
dal deposits in Farmers and M »' Bank, 

Windham Bank, $15,000; Willmiantic Trust Com- 
pany, - ss in checks or cash items 

. with the account, but did not follow it up so 

fully as r ilar objection to it, thinking il mig] 

a m<> _- I did not understand. 1 do not remember 

that I . touching this matter of the cash account 

pting the book-keeper. 1 never called it particularly to Mr. 

: found by the ; oich had been Left with us by 

our i that the company had sold an immense amount 

it seemed • i me, after January i 1877. It sh.« 



22 

the total amount sold $341,847.25 from January 1, 1877, to June. 
I found that they had sold securities which seemed to me very val- 
uable : 

U. S. Bonds, $219,425 . 

" " 55,531 

Windham town bonds, .... 35,000 

Willimatic Linen Co., .... 13,000 

and had collected quite large amounts on their mortgages. 

It struck me as singular that a prosperous company should sell 
so many valuable assets. After that, I made a thorough examina- 
tion of Mr Parsons and Mr. Beecher on this subject. I asked them 
to state what investments they had made, why they parted with 
these valuable assets, and what induced them to make the change 
— finally, in the course of conversation, I turned particular attention 
to these U. S. bonds, and asked why they had sold them. Mr. 
Beecher turned to me and said, " The truth is, Judge, we didn't get 
the money for those bonds, and we didn't have the money from 
those bonds to invest." I turned then to Mr. Parsons, expecting a 
contradiction, but Mr. Parsons assented to it as being so. I cannot 
repeat in detail what conversation ensued, the substance of it, how- 
ever, is very distinct on my mind — they stated that there was 
trouble between them and the Farmers and Mechanics Bank in 
relation to those bonds, that the bank claimed them as theirs. I 
said, If you owned the bonds, you have got a good claim against 
the bank for the proceeds, or have got the money. There was no 
satisfactory answer to that. I had entire confidence in the gentle- 
men at that time. I went down again on this same subject, then 
called for the books. I found the account of sale of $55,000 bonds 
satisfactory. Then the question as to the $200,000 bonds came up 
again. I made up my mind I would go down to the Farmers and 
Mechanics Bank to see if I could find out anything there about 
these bonds. The bank gave me at once the state of the matter as 
they claimed it. Mr. Daboll, an experienced accountant, had drawn 
off a statement of the entire account of the Continental with the 
bank. All I learned at that time was simply that the bank had 
bought those bonds for the insurance company, expecting that the 
insurance company would take the bonds, but that the company 
never had paid for them, and that inasmuch as they had not paid 
for them the bank had therefore sold them and taken the proceeds 
to reimburse themselves for the purchase. They gave me the state- 
ment which I hold in my hand, by which it appears that Jan- 



•J.", 

nary 5, L877, the bank had purchased «-ii account of the insur- 
ance' - ur-and-a-half per cent, bonds — the ir 
oace elf to be the 
owner of the I found on the : 
January, L877, tha I hatch was purchased which . 
100,— they were purchased for $219,435. 
LOth February, 1877, the bank began to sell the bonds, 
sale on the 2d March, L877, selling them for $218,- 

'.'71 ! 

. Beecher i ad M- 
were righl in Baying that they had never received anything for 

the conclusion thai if they had 
ived not! them that they did not have any valuable 

interest in them, ami that they had included $200,000 in their 
annn tent in which they had do real interest These bonds 

were, mi red bond* r they were purch 

it to Washington by the hank, and registered!! 
nam- pany — not all of them, but 

portion The bank hel< _ r of attorney to sell 

the • - >me <>r the officers of the Continental, hut i* 

nil required at V. >n; they therefore 

B I LB lerstood if. a power of attorney to sell upon the 
bon<: At what time ir was procured I do not know 

!i at the Fanners and Mechanics Bank. 
h nir by the officers of the hank that the hank 

neve'- with the bonds up to this time. 

I have an impression that the | \tken over r«. 

• company's office for the purpose of g »wer 

of transfer, hut 1 do not know certainly. 1 then went hack and 

at what they .-aid in 
:' the sale of the 
afirmed I i Learned at the bank. A 

time I • any, and 

foui b l'-'. f877, • 

. for U. 8 - - 9, 125. T ' 

ed to. i - 
ould tell the truth. I them « 

thus 
' •• Parsons seemed to know hut very lit- 
tle ;-. vafi a m;r 
my exa. h of 



24 

December, 1876, according to the cash book, the company had 
paid for these U. S. bonds, in the first place, $108,125; in the next 
place, $21,487.50; next, $45,412.50; charging as if that money 
was paid on the 30th December, 1876. I did not like that, and 
called the attention of the book-keeper to the facts. I found that 
those bonds were not purchased by the bank until the 5th of Jan- 
uary, 1877. I had supposed, until then, that the cash book was 
kept from day to day. I had been, when young, in a country 
merchant's store, and kept cash books in full from day to day. 
Capt. Haiks said that those two entries were necessary- to balance 
their books; that is, having put down that they paid, they then 
had to put down that they had received, which made their books 
balance — which it did, undoubtedly; but the annual report to the 
department represented that they actually owned the $200,000 
government bonds, when, in fact, they did not own them. I did 
not like it all, and so stated to them. The bonds appeared, by the 
books, to have been paid for by the company, when, in fact, they 
had not been paid for; and appeared, by the books, to have been 
sold, and cash received for them, when, in fact, the company had 
not received the pay. The purchase and sale were' merely on 
paper. An explanation was then offered, which, for the time, was 
entirely satisfactory. I accepted it, and supposed it was right. 1 
cannot say whether that explanation came originally from the 
book-keeper, or from some one else, or whether I worked it out 
myself in part. That explanation was this: (I will here remark 
that the accounts between the bank and the company were kept 
upon the check-book; they had no ledger account with the bank.) 
They put on the left hand leaf of the check-book their deposits, 
and on the right their checks, with stubs to tell the amount and 
purpose for which the checks were used. I found, by looking at 
the account, that the Insurance Company had, December 29th, 
1876, a very large amount on deposit with the bank, and that on 
that day the company had drawn its checks in favor of John C. 
Tracy to the amount of $224,000, and the company had given the 
bank credit for this check. Now the explanation, in substance, was 
this: that, although the company might not have actually bought and 
owned the bonds, yet their deposit in bank was reduced $224,000 
by the credit of this check; so that when they made their annual 
statement, if it had not been for the credit of this check, which 
was given for the purchase of the bonds, they would have had 
$224,000 more to report on hand as cash in bank, so that no real 



harm roe to the public. This was entin actor} to 

me for the time being; for if those deposits r<-all> existed, and if 
the company did, in fact, have the amounl oi depoeitfl thai the 

company diowed that they had, it would have mad. 

difference whether the bonds wen actually bought or cot, because 
then- cash in bank appeared bo much less. 1 had not, up I" this 

ticularlv examined the accounts at the hank. 1 look it 

granted that the company really had the amount of money in 

the I SSented by the Check-book. 1 then went down 

to the hank. All of the entries made upon the pass-book of the 

£45,969.75, $133,534.90, $20,966.40, 
,n. s:;:..iioo. 
rod by the pass book that this large amounl of deposits was 
made on one and the sameday, December 30, 187<i. I found that none 
of these large I to the company on the books of the 

bank. (There were two credits of $4,670 each, I accepted as being 
correct.) I could not see why, if the insurance company claimed so 
large an amount as this, and the hank gave no credit for it, that 
there should have been no more fuss about it — being a matter in- 
volving nearly s::oo,000. The company had never up to this time 
said to me that there was any dispute between them and the bank- 
et with regard to the bonds. I examined the books of the 
i»ank with care. I did not know but that the bank was wrong; but 
that Mr. Tracy, having been president of the bank, had failed to 
the company for what he ought. 1 was not satisfied 
thai - not a jusl claim against the bank for the deposits 

charged on the hooks of the company, inasmuch as they also ap 

ok of the company in the handwrit in. 
Mr. Tracy. 1 saw Mr son, and from him 1 Leal 

what 1 und< first, to wit: that the charg 

• which tlie company had b 
and was ool wholly baseless "i- fictitious 
• was a : iid for a t ime i devoted mj 

aim • ion of that matter. Mr. Tj 

ould find on the books of the bank a history of this 
lerstand that Mi-. Parsons testified thai 
. i been deposited with the bans 

lung which indicate^: 

■ ary. the histor} indicated 

The real object will appear by this I 

1 traced it out on the DOOkl ol the hank. 1 will propi 
at length. 

4 



26 

The notes passed to and fro from time to time between the com- 
pany and the bank, and especially between the 31st of December 
and the January following, being about the time the company 
makes up its annual statement. These notes were in a package by 
themselves, and were marked as so much cash, and the teller counted 
them as so much cash. These notes were dated July 1, 1874; prior 
to that time the company held notes of its stock-holders which were 
merely guaranteed — not negotiable. The new notes were payable 
at the Farmers and Mechanics Bank thirty days after demand, with 
interest, according to my recollection, after thirty days. 

On July 29, 1874, very shortly after the date of the notes, the 
company received credit on the books of the bank for these notes, 
$180,000. In the teller's cash, the item appears as a cash item 
of $180,000. On the 30th of July, the notes were taken back by 
check signed by Mr. Beecher, secretary of the company; that is, 
the next day after the deposit; the check was payable to no one 
and was indorsed by no one; the $180,000 was carried in the tel- 
ler's cash three days. The next time that package of notes appears 
was on the 31st of December, 1874. On that date the company re- 
ceived credit at the bank for $206,447.16, consisting of items con- 
nected with the $180,000; these, with $9,407 added to it, were 
carried in the teller's cash from December 31, 1874, to January 
19, 1875. On that day it was lifted from the cash by a check made 
by Mr. Parsons for $189,407. On the 20th of January this check 
was debited to the company — payable to the order of no one. 

The capital stock of this company is $300,000, of which $120,- 
000 was paid in cash, and notes given for $180,000. Those notes 
were not indorsed by the company, but by individuals. This pass- 
ing to and fro of these notes had an important effect in the state- 
ments of the company. In December, 1874, the company reported 
for the first time its capital stock as being full paid. It was paid 
in this manner: by the passing of these notes into the bank on the 
31st of December, 1874, and then passing them back to the com- 
pany on the 19th of January, 1875. If by this passing to and fro 
of the notes they were converted into cash during these twenty 
days, then the capital was paid in full, otherwise not. 

It is very obvious that these notes were not discounted at this 
time; if they had been, there would be some excuse for what was 
done in representing the stock as being paid in full. The notes 
were not such as banks usually discount. They had already run 
six months, although payable thirty days after demand. From 



87 

this time onward the company rep • capita] stock m b 

fully paid up. 

notes having been taken out of the bank by thii 
is?:., remained in the hands of the company 

until Ju;,< J \ L875, On that day they are again charged I 

item to the ban >>. and of con 

cash item by the company. 

Q. [By Mr. Freeman.] Has the bank ever shown you an) 

■ which those n» tee appear to have: . anted? 

A \ h' ;':. 3 \wiv spread on the rec< >rds < »!' the 

bank ranted, it would be strange that they remained for 

re tlicrr li.-ing a demand for into:-. 

Q. [By Mr. Freeman.] Had they stated to you that they were 

rod on the books of the bank as discounted? 
A >'• a, sir. 

Which office 
A. All of them. 

Q. [ By Mr. Perkins.] If on June 29, '74, the amount of these 
I »ooks of the bank went to the credit of the company, 
it increased their cash account just so much ? 
A It did. 

Q. [By Mr. Perkins.] On December 31, '74. the amount of 
IS also entered on the books of the bank to the 
credit of the company, so that increased their cash account so 
much ? 

A. It increased their account so much. In June, '75, this 
9,907. 1 6 is charged as cash on the books of the company to the 
bank. It is not credited on the books of the bank to the company; 
this | - 7 16 is exactly the discrepancy between the books o; 
company and the bank, from this time onward, up to December 
30, '76. with the exception of two checks amounting to si 16,1 
drawn January 11. '76, upon the bank by the company, which 
checks are not charged by the bank to the company until long 
after. Those notes remained in exactly that situation from June, 

me when the statement was made, December. 
Thus much for the stock notes. I then pursued my investigation 
to see whether these various charges of deposits made December 
30, 1876, were good; to see whether the company really had a 
bonA frdr cha: ost the bank for tJ 

i upon the boo \fter 



28 

finding that there were no such credits at the bank, I asked the 
bank officers if they had settled with the company. They said they 
had mainly settled but there were some items of interest unsettled. 
The bulk of the account was settled without any claim being made 
upon the bank for any of these charges. I concluded, therefore, 
that those charges were bogus. 

After so finding, I concluded that the explanation which had 
been made, that the credit of the checks diminished the amount of 
deposits, was entirely unsatisfactory, for, inasmuch as the charge 
of deposits was not genuine, the credits of the checks amounted to 
nothing; the checks were valueless, and the charges were value- 
less, and the deduction of the checks from the charges was merely 
taking nothing from nothing. 

After this I became fully satisfied that those charges were 
groundless, and that I had been deceived in this matter of accounts. 
I went back to the company, not with a feeling of hostility, but 
feeling that things were not right, and expressed myself very fully 
in regard to it. Mr. Parsons made an explanation in regard to 
many of these items, which satisfied me that it would be unjust to 
treat them as wholly lost. He stated of what those several items 
consisted, and that they were not wholly fictitious, and that the 
company were entitled to credit for whatever those charges repre- 
sented. I had not before this time thoroughly investigated any- 
thing but this matter of the U. S. bonds and stock notes. 

I understood from Mr. Parsons at the time that the $133,000 
consisted of matters connected with the Sharps Rifle Company. 
In looking over the minutes of the testimony taken here, I see there 
was a good deal of talk about an item of $168,000. I never had 
heard of any item of $168,000 — it never got through my head 
what it could mean until last night I found that by adding $133,- 
000 and $35,000 it made $168,000. Mr. Parsons and I had never 
made any combination of the two items into one. 

Mr. Parsons represented that Mr. Tracy was largely interested 
in Sharps Rifle Company; as much interested as the company, and 
more too; that led us to a careful examination into the value of 
that asset. 1 did not like the idea of an investment of that sort by 
the Continental Company; it seemed to me not a proper manage- 
ment of trust funds. 

I went through the building and books of the Sharps Rifle Com- 
pany, and found them what I have stated in the report. I found, 
as I supposed, that the bulk of the stock of that company had been 



m 

owned by th< asuranoe company. I found, I 

•his time all that Mock had been c on ce n tr ate d. The 
whole amount of stock taken was 1,886 shares, and of this, i 
aharei 1 or a od in the name of one of the office] 

the :• company ;.s trustl 

It Beemed to me to be curing trust funds to build up a busu 

of their own. The property itself, however, is a valuable prop 
the machinery appeared to be good. 1 thought in that rea 

Fas right, hut that the value of such an asset as thai 
i wholly upon the of the Rifle Company in b 

ness. The committee mu>t decide what shall he done in regard to 
property thus invested. 1 cannot say that we approved of the 
management of the company in these various matters. 

Mr. Tracy was undoubtedly as much t<> blame as any of them. 

— very likely more so. No part of this si .",:;. 000 was put down 

ll was m cash as a cash item. I have no 

• Mr. Tracy, being one of the financial agents of the company. 

and also president of the hank, had advanced this money with 

rangement between them as to its division. When this 

as made to secure this indebtedness, th, 
certain bonds which represented this Indebted] e 
bom; ivided between the company and the bank, by tin 

hank taking $47,000, and the insurance company $102,000, which. 
I suppose, represented the respective interests of the parties in the 
debt 

I never received any satisfactory account of precisely what this 
$133,000 consisted of. Mr. Parsons called them vouchers for 
y advanced t<> Sharps Rifle Company. 

Judge Seymocr's statement continued. Tuesday, Feb. 5, 1878. 
I am about to call the attention of the committee to the D 
the purchase, by the Continental Life Ins. Co., of its own 

In order to explain fully my views of that transaction, it will be 
now, instead of breaking into my b( 
•<*r, what I have to say in regard to the dividend- 
company paid to its stockholders. The company, from 1870 down 
I - iividends of $2 1,000 

annually. The committee will pel 

. the amount of < I in. S 1 L'O. 

• amount actually paid in. and I be no claim 



30 

that anything more was paid in prior to 1874. I state that here, 
because it serves as an explanation of what I am about to say as 
to the company's purchasing its own stock. I may notice here that 
it is precisely the same thing that occurred in the Charter Oak Life 
Insurance Company. 

Q. [By Mr. Freeman.] Please state when the company com- 
menced dividends. 

A. In 1864 there were no dividends; in 1865 there were none; 
in 1866 there were none; in 1867 there were $6,000; in 1868 
there were $12,000; in 1869 there were $12,000; and then in 
1870 began what I have spoken of. 

Now to return to this matter of the company's buying its own 
stock. I supposed when I drew up the report that it was a settled 
matter. It was perfectly settled in my mind, and I was thoroughly 
convinced of the fact, and did not suppose that it was then con- 
troverted that the company had bought its own stock, but I find 
now that Mr. Parsons puts a different construction upon it. It is 
therefore proper, inasmuch as I differ in my conclusions from 
Mr. Parsons, that I state the grounds upon which I came to that 
conclusion ; and I shall ask the committee to hear me state these 
grounds, that they may judge for themselves whether I or Mr. 
Parsons is right. Mr. Parsons' testimony I hold in my hands. I 
presume it is correct. I have a printed copy. I will read. 

[Judge Seymour here read as follows :] 

Q. What arrangement, if any, was made for money for the 
purchase of the stock — 4,670 shares of stock ? 

A. Mr. Tracy bought it. 

Q. Well, bow did he pay for it ? 

A. We loaned him the amount; he paid for it at different 
times. 

Q. What did he give you as security ? 

A. Certificates of the Farmers and Mechanics Bank. 

That is enough. You have this statement of Mr. Parsons to show 
how different it is from the conclusion to which we came. Now 
in the first place I heard this story, — a similar one to this — and I 
didn't credit it, and I will state on what grounds. ' In the first 
place, it appears from the statement given by Mr. Parsons, that if 
this money was lent to Mr. Tracy, instead of being lent in what I 
call the ordinary way, by taking a note from Mr. Tracy, or some 



31 

obligation of him, the companj took the obligation of hu > 
Well, that is i transaction such as I never heard of. I don't 

know but it may 1h> usual. I never knew the cashier of a bt 

\ money for his own use, and give the obligations of the 
bank for it. If he borrowed money, it seems to me he would give 

-not the obligation of the hank — f«»r it. In the ncxi 

. i^\' the hank's certificate thai was given \<> 
M: Parsons by Mr. Tracy, for this money. The form <>f certifi- 

•).*] Now they must all of them have known 
that the Continental did not deposit tin 1 money in the bank. In ■ 
of this, Mr. Parsons says they lent the money to Mr. Tracy. It 

osd to me, a contradiction upon its face, and 
1 gave as little credit to the lending as I did to the false certificate 
of deposit. Another thing that struck me as exceedingly strange 

thai Mr. Tracy — a man of property — if he wanted stock, and 
wanted to buy it really for himself, — that he should want to borrow 
money of the Continental for it ; and especially that he should 
borrow it in this way, and continue to be a borrower from this 
time. October. 1873, down to 1877 — a continual borrower — a bor- 
rower of the precise sum that he paid for the stock. 1 have been 
in the habit of investigating accounts a good deal, and it Beemed 
to me that all this was out of the ordinary course of events, and I 
concluded that there was something that didn't meet the eye. 1 
concluded that the truth was, that this stock was actually pur- 
chased by the Continental company with its own money, by Mr. 
Tracy, and that the Continental company owned this stock from 
beginning to end, and that these certificates of deposit were merely 

anient cloaks to cover up that ownership. It will readily In- 
perceived that it would not do for the insurance company to show 
upon its books that it was the owner of its own stock. \n the 

place its charter did not allow such a use of its funds ; in tin- 
second place, the use of the money in that way, by paying the 



*Fahmkks ami Mechanics National Hank. 

Hartford, , IS— . 

. 

$ • 

f s Hank do 



prop' <ed. 

, Qathier, 

, Teller. 



32 

stockholders what they had put, in, was really taking out so much 
cash that had been put in as capital, and in this way $125,000 of 
money actually put into the company as capital had been with- 
drawn to pay a portion of the stockholders — not the whole 
of them. It did not seem to me that this was right. 1 
learned from various sources, from Mr. Parsons as well as others, 
that in 1873 there was a violent contest over the stock of the 
insurance company. In this contest it became important for those 
who were in the management of the company to secure as much 
of the stock as they could, and the arrangement was that the stock 
should be purchased through Mr. Tracy — that he should hold it — 
not as his own, but as trustee of the company. Now I notice that 
in the testimony of Mr. Parsons on this subject he is asked — 

Q. "What did Mr. Tracy do with the stock he bought ?" 

A. "He took it in his own name, just as he wanted it, in 
whatever way he desired." 

Now there may be some error in that ; if so, I desire to do Mr. 
Parsons the justice of allowing him to correct it. 

Q. [By Mr. Freeman.] Did you mean he took it in his own 
name or as trustee ? 

A. I mean just as I read it. 

Q. [By Mr. Freeman.] The transfer book shows better than 
that. 

A. Exactly. Mr. Tracy, instead of taking the stock in his 
own name, as of course he would if he bought the stock and 
borrowed the money to pay for it, in . fact he took the transfers 
of the stock to himself as trustee. [The book was here 
handed to Judge Seymour, and he proceeded.] I begin with the 
13th of September. It is conveyed to John C. Tracy, trustee. 
Well, if he bought that stock and paid for it, and borrowed the 
money to pay for it, I do not see why he should put it in his 
name as trustee. I took it that he was trustee for the parties who 
furnished the money with which it was bought. It is agreed that 
the Continental took out of its own funds the money which pur- 
chased the stock, and, as Mr. Perkins knows, who is familiar 
with the law, the party who furnishes the money that purchases 
property has a resulting trust in it, but here it was shown, on the 
face of it, that this property was purchased by him as trustee ; 1 
therefore concluded from this, in connection with these other 
facts, that Mr. Tracy merely purchased this stock as trustee for 






and h< for the company all this 

time, and that t 1 ined th»> way that these certii 

-:t ran through all the- 

Hut there is another thing that satisfied me folly. Now, it Mi-. 
Tracy was the al»s.>lute owner of this stock, why. when there came 
trouble in the bank, it would be very apt to !>,• Beized a- his prop- 
ped to him as trustee, it could not I.e. If it was 
•aid be. 
the loth oi February, 1^7 7. Mr. Tracy, a: the request oi 
the company, transfers this stock to cue of the officers of the com- 

V arson who was then an officer of the company ? 

A. Yes, sir. — well. I don't know. It was transferred ai 
request of the company. If he was a trustee of the company, it 

- Lould transfer ft t«. s. »me one els- 
and of course the committee will sue that, having thus 
sd t" the company, at the request of the company, the 
which these certificates of deposit we 
he would become entitled to the certificates of deposit, how- 
valuable they might have been, or whatever their character 
may haw been. N<>w he delivered hack the very property 
which he bought (<>v the benefit of the corn- 
That Beemed to finish the transaction to my mind. Of 
rse he was entitled to these certificates, even if they had 
I : but the conclusion I came to was this, that 
corn] - all along the owner of this stock, and that these 

up U targe against the Far- 
mers and M' Bank of $133, was to cover up the loan 

had been made to tic- - Rifle Manufacturing Company ; 

- 36,000 was, in my judgment, used to cover 

up th 

• e company held in .January. 
i forthecomp 

.1 toput into t! ueut 

of asset.- 

hese deposits. These dep 
put in .; 
fun.: it which 

apanv to have in sight I ma 



34 

uncharitable in my judgment, but that was the conclusion that I 
drew from the facts. 

Now as to the question which seems to have been mooted here, as 
to the value of these certificates of deposit. Mr. Perkins put it ex- 
actly as any honest man and good lawyer would. (Judge Sey- 
mour here reads from printed copy, commencing, " Would not the 
bank actually have been holden on these certificates ?) 

Mr. Parsons answers, I think it might have been. 

Mr. Perkins says, It seems to me the bank would have said to 
the insurance company, We have never received any money for 
the deposit ; that was an arrangement that you made with Mr. 
Tracy. He, it is true, gave you the certificate of deposit on the 
note at the bank, but the bank was not responsible, because it was 
given as without any assets; being in the possession of the bank, you 
should not have drawn any money on his giving you a certificate 
of deposit, because you knew it represented money you did not 
put in there, the money being drawn out in checks, they supposing 
Mr. Tracy would make a special account." 

Referring to the fact that although it is claimed that the Conti- 
nental Life Insurance Company had put money into the bank, 
every one must see that the company had put none there; and 
therefore they stood no chance to recover on that. They knew 
that the circumstances showed no foundation for any claim of that 
sort. 

Q. [By Mr. Perkins.] What I have said there, that you have 
read, was addressed to the committee as I supposed the bank 
might have said. 

A. Exactly. The bank would. have said that, and with perfect 
truth. If you claim that they deposited money here, the bank 
would say to their claim, " You never did deposit any." Instead 
of taking Tracy's note you took the obligation of the bank. I do 
not know but a bank officer may borrow money for himself and 
give certificates of deposit, or post-notes, and bind the bank, but 
I did not suppose he could. I regarded it as the sheerest cover. 
If I am uncharitable about it, then I am wrong in regard to what 
the insurance company did. This, however, would make no dif- 
ference as to the solvency of the company, because, anyway, the 
certificates are given up, and no claim is made upon them. 

But there is another matter in connection with the certificates. 
This money was not merely represented by $104,516 of certificate 



ml it was represented by i depo (6.40, making 

which was paid for tin- stock, and which 
• to Mr. Tracy. Taking, now, thu 

.- Mr. Parsons, i loan made to Mr. Tracy <»i' sij.. 
;>■•- Mr. Tn it it ? 1 1 

[876 — writes down upon the pat 
• — ■ credit to the insurance company by the bank of 
Qtmental Company, on it- own books, on 
that day. make a charge to the bank <>t' th< they had lent 

If thai is not an unusual transaction, 1 don't !.• 
wha at know trot that is all I d< 

I ought, peri Id one thing. When Mr. T 

al Life [nsnrance I 
pany pital, he didnt doit as an individual but as a 

|70,050 his : made by him as 

individual. I take it that all of them understood 
that b for the Insurance Co. 

Hie next matter in order is the purchase of the Windham town 
bonds, or inquiring of Mr. Parsons at an early day, 

louht whether these bonds had actually been bought 
byth He said they did not get the bonds 

on the first ry. I queried about that, as the statement 

shows that they were on hand on the first of January. But he 
•hat although he did not own them, he had paid for them, as 
I understood him: 1 may have misunderstood him; but 1 fully be- 
lieved, and suppose now. that he said that he had actually paid for 
them. But he said certainly he was entitled to the same credit as 
if he had bought the bonds and paid for them, on account of the 
manner in which they kept their books; and thereupon I examined 
the books, and almost the same explanation was made as was 
made in regard to the United States bonds. I was shown the 
books in which the bank had been credited with the check, which 
:k was st been given for the purchase of these 

bon- 1 was. that even though the bonds were 

not bought or paid : mch as that check was <s. 

befo: unary, it was pre< with 

l>een 
for. r>ecause that check was taken out of the deposit and c 
had on hand on the first of January : and if it was taken 
out, the only effect of their not having the bonds was. that I 



86 

had just so much less cash deposited than they would have had. 
That that, in other words, was taken out of the cash on hand, and 
it would have been represented as cash on hand if they had not the 
bonds ; so that they either had the bonds or it was the same thing, 
because they had taken it out of their cash, so that their cash was 
so much short, and the thing was equivalent. In book-keeping, I 
know, things are sometimes admitted as equivalents, and I didn't 
then see but there was a real equivalent, so that, though the statement 
was untrue in point of fact, the public did not suffer in consequence 
of their being represented as the owners of the bonds. That was 
satisfactory to me for some time, very much as the same state- 
ment, or a similar one, was in regard to the bonds. When I came, 
however, to find that the credit of $35,000 on the pass-book, on the 
strength of which the check was drawn, was an imaginary deposit, 
and not a real one, I saw that no ground was left on which the 
equivalents could stand. Now that leads me to speak of the 
$35,000 deposit. I never heard, as I said the other day, of that 
$35,000 deposit being at all connected with the $133,000, making 
$168,000. It was a new thing to me. 

[Judge Seymour here asked for the pass-book, which was handed 
to him.] 

The entries in the pass-book are in the following order: 

$133,534.90 

20,966.46 

186,907.16 

4,670.00 

4,670.00 

35,000.00 

The two items of $133,000 and $35,000 are thus separated from 
each other by four intervening items of large amounts, and the 
two items thus widely separated I supposed had no connection 
with each other. This $35,000 is the last item of these fictitious 
deposits, and on the day these entries were made a check for 
$35,000 is drawn against this deposit upon the stub of which is 
a memorandum that it was for the purchase of Windham bonds. 

Mr. Tracy gave me a graphic account of the manner in which 
the entry of $35,000 was made on the pass-book. I will only 
state here that he said the $35,000 was entered on the pass-book 
to enable the company to give the check it did give for the same 
amount. 






::: 

1 ;i'w;i . and do dow, that the debit 

entirely out of whole cloth, that there was aothing to r e pr e s en t 
it. that there was aothing to cover by it. 

tnpany at first claimed thai these bonds had really been 
purchased by it. To ascertain how this was. 1 directed my atten- 
tion . . iy .lay to the accounts of the Farmers and Mechan- 

lank. It" the bonds were purchased, they were purchased by 
(the - i check and paid for by it. 1 had the accounts exam- 

ined carefully by Mr. Oaboll, and found that that check had never 
. — at any rate by the Farmers and Mechanics Hank; and, 
therefore, its issue was DO damage to the Continental Co., because 
.1 not been paid. It was given back, and so, if that check 
coarse the company never suffered anything by 
the check, and never paid, therefore, by means of the check, for 
these bonds, and there was never any other way suggested by 
which they paid for them. 

I notice thai Mr. Parsons in his testimony speaks of $30,000 
of Windham bonds with which the company had something 
to do in the « Iharter < >ak bank. There undoubtedly was in April. 
or la' e such transaction as Mr. Parsons states He once 

made a statement to me to the same effect, but long before these 
-actions with the Charter Oak bank took place, the Continental 
company had entered on its cash-book under date March 12, 1877, 
that it had sold its Windham bonds, and received for them 
"00 in cash. Subsequent transactions in Windham bonds 
with the Charter Oak bank, are wholly foreign to the inquiry 
whether the Insurance Company owned or had paid for the bonds 
inventoried a- owned by it in its annual statement. 

1. therefore, came to the conclusion, that, in regard to these 
bonds, as I expressed it briefly in our report — in the first pla<e. 
the insurance company never owned them; in the second p 
that aid for them; and in the third plan — which 

to me im] —that the hooks stated that they had sold them, 

when, in fact, they could not have sold them. In tact, 1 think it 
will turn out tha" Dot issued until after the time 

D 
U was explained to Log honest to put it down in that 

way. in order to make the they having charged 

as hi ••erssary for them to credit 

the bonds as ha- D Bold. it was a mode of book-keeping 

IS not familiar with. ]♦ happened tha* my early education 



38 

was that of a merchant, with a thorough old gentleman, and this 
matter of equivalence I never indulged in. I do not believe in it, 
and it seems to me that it would be monstrous if our insurance com- 
panies and banks were to keep their accounts in that way. What- 
ever may be the condition of solvency or insolvency of the com- 
pany, I thought it was proper to bring this matter to the 
attention of the committee. I have not brought it out in the 
report, but think it proper to bring it out here before the com- 
mittee. 

I have said that these books, so far as the books are concerned, 
are neatly kept. They balance perfectly. The only difficulty is 
that the entries were not true. That is, all these deposits are 
entered upon the books, and the disposition of those deposits 
also are all entered, and they exactly correspond with the annual 
statement of the company in every particular. 

The books and the annual statement confirm each other to such 
an extent that our clerks that we sent there regarded them as 
entirely correct, because they corresponded, and when I first saw 
them I thought they were correct, and supposed they were right, 
until 1 saw that these entries of deposits were not, in fact, true, 
and that these entries of payments for bonds and sales of bonds 
were not, in fact, true — either the Windham bonds or U. S. bonds. 

Q. [By Mr. Perkins.] It does not say anything about the sale 
of them. 

A. Well, it says received. It is on the side in which the 
receipts of cash are entered. 

That is all that I suppose that it is necessary for me to say in 
regard to the Windham bonds, at present at any rate. 

The next matter which I ought to speak of is in regard to two 
checks, amounting to $116,625. I do not think that Mr. Perkins, 
when he comes to see it exactly, will differ from me at all about it. 
The $116,625 checks were drawn January 11, 1876, and the entry 
upon the stub of the check, was that these checks were given 
for the purchase of bonds, and they undoubtedly were, and the 
bonds actually purchased during 1876. All that was irregular or 
unusual about it was, that there was nothing found on the books of 
the bank that corresponded to that check. On the books of the 
bank there was nothing to meet that check. I forget exactly how 
much the deposit was, but nothing like $116,625, in the account of 
the bank with the company. The difference, and the only differ- 
ence, between the bank account and the account of the insurance 



39 

company at that time, was this: that in the insurance Company's 

.tit t lu>\ ha<l charged, June, LC 39,907 t<» the Pan 

ami Mechanics Hank, ami. of course, on the books of the insurance 
company then' appeared to be funds to draw upon si 16,625; 1 mt 
the Farmers ami Mechanics Hank had given no credit for that 
- - The daic of the check was .January id. 1876. There 

Was nothing to answer to it. and the Consequence was. that Ml". 
v kept that check in his own hands as an obligation against 

the company) treating it just as he would a note <»t* the company. 
(>n the strength of that check, as an obligation that he could 
me or another against the company, ho purchased Borne 
United States bonds, (of the unreal deposits there is a thing, how- 

that perhaps I ought to call the attention of the committee 
to. and. bythe-bye, 1 have not done so in the report. There 

itious deposit entered upon the books of th